Form 5500 · Employee benefit plan · LEXINGTON PARK, MD
RESOURCE MANAGEMENT CONCEPTS, INC.
The filing calls this plan RESOURCE MANAGEMENT CONCEPTS, INC. WELFARE PLAN.
RESOURCE MANAGEMENT CONCEPTS, INC. of LEXINGTON PARK, MD spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is HILB GROUP OF MARYLAND. Coverage is written through SYMETRA LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-1874850 · plan 501 · plan year 2024, filed Jul 29, 2025
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776 other employer plans in Maryland have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with SYMETRA LIFE INSURANCE COMPANY, covers 519 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $1,207,031 in premium and $0 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $2,183,810, with $81,514 in disclosed broker commissions — about 3.7% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 446 | Jan 1, 2025 | $194,319 | $23,318 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 424 | Jan 1, 2025 | $166,445 | $19,973 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 412 | Jan 1, 2025 | $161,086 | $19,330 |
| CAREFIRST OF MARYLAND, INC. | Dental, Vision | 1,251 | Jan 1, 2025 | $423,078 | $15,071 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 757 | Jan 1, 2025 | $31,851 | $3,822 |
| SYMETRA LIFE INSURANCE COMPANY | Stop-loss | 519 | Jan 1, 2025 | $1,207,031 | $0 |
Premium and claims on this contract
CAREFIRST OF MARYLAND, INC., contract 2DH2. For the contract year on this filing, the carrier reported $423,078 in premium earned and $356,916 in claims incurred. Dividing one by the other gives 84%.
- CAREFIRST OF MARYLAND, INC., contract 2DH2 reported $132,325 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
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