It is really impossible to chance for Wharton. You appear to be a competitive applicant with academics and ECs that should get you a serious look. The rest will depend on things we can’t see such as your essays, LORs, etc.
Apply to Wharton and give it your all. But IMO any elite college (with acceptance rates often in the single digits) should be considered a reach for an unhooked applicant.
If Kelley is your only safety I’d recommend that you apply as early as possible (11/1) so you have your answer by December. As long as Kelley is affordable, you would be happy to attend, and you (hopefully) get an acceptance by December then it is fine as your only safety school.