Welfare broker

KELCO INSURANCE

Mailing address (most recent filing)

4378 SOUTH 46TH STREET

FAIR PLAY, MO 65649

Total comp: $2K
Commissions: $2K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where KELCO INSURANCE places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY	1	$403K	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
UT	1	$403K	0.1%	131.45x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of KELCO INSURANCE's plans by broker comp / premium ratio. Median 0.93% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of KELCO INSURANCE's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where KELCO INSURANCE is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FASHION CABINET MFG., INC. FASHION CABINET MFG., INC. EMPLOYEE HEALTH AND WELFARE PLAN	UT	$403K	$4K	FAIR AMERICAN INSURANCE AND REINSURANCE CO.