| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KHI SOLUTIONS LLC Filed as: KHI SOLUTIONS, LLC | 130 N. 25TH STREET FORT DODGE, IA 50501 | AETNA HEALTH, INC. | $1K | — | $1K | 0.12% |
| KHI SOLUTIONS LLC | 130 N 25TH STREET FORT DODGE, IA 50501 | AETNA HEALTH, INC. | $5K | — | $5K | 9.54% |
| KHI SOLUTIONS LLC3 | 130 N 25TH STREET FORT DODGE, IA 50501 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 13.19% |
| KHI SOLUTIONS LLC3 Filed as: KHI SOLUTIONS, LLC | 130 N 25TH STREET FORT DODGE, IA 50501 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 9.21% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA HEALTH, INC. | 164 | $51K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 209 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.