Form 5500 · Employee benefit plan · BETHESDA, MD
RETAIL SERVICES & SYSTEMS, INC.
The filing calls this plan RETAIL SERVICES & SYSTEMS, INC. FLEXIBLE BENEFIT PLAN.
RETAIL SERVICES & SYSTEMS, INC. of BETHESDA, MD spreads its employee benefits across 8 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is ALLIANT INSURANCE SERVICES. Coverage is written through DELTA DENTAL OF PENNSYLVANIA and 7 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 25-1531856 · plan 501 · plan year 2025, filed Jan 27, 2026
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158 other employer plans in Maryland have policy years ending in June. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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
Health: the largest of the 3 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 149 of 6,595 participants (2.3%) on Schedule A.
Also declared: prepaid legal, death benefits, 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 17 insured contracts covering health, dental, vision, life and disability; the largest, with DELTA DENTAL OF PENNSYLVANIA, covers 5,307 people.
Reported premium across the insured contracts is $8,623,132, with $526,865 in disclosed broker commissions — about 6.1% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
ALLIANT INSURANCE SERVICES is the broker of record on 1 of the 17 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including DELTA DENTAL OF PENNSYLVANIA, KAISER FOUNDATION HEALTH PLAN, INC., KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC and RELIASTAR LIFE INSURANCE COMPANY. DELTA DENTAL OF PENNSYLVANIA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | — | 3,040 | Jul 1, 2025 | $796,730 | $212,669 |
| DELTA DENTAL OF PENNSYLVANIA | Dental | 5,307 | Jul 1, 2025 | $2,205,287 | $132,251 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 149 | Jul 1, 2025 | $1,234,516 | $49,249 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 147 | Jul 1, 2025 | $1,146,117 | $45,182 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | Health | 174 | Jul 1, 2025 | $1,107,183 | $44,789 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 1,168 | Jul 1, 2025 | $583,899 | $13,996 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 2,232 | Jul 1, 2025 | $430,939 | $9,891 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 5,047 | Jul 1, 2025 | $389,887 | $9,227 |
| LEGALPLANS, USA | — | 498 | Jul 1, 2025 | $92,884 | $4,644 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 5,045 | Jul 1, 2025 | $90,153 | $2,177 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 1,761 | Jul 1, 2025 | $82,428 | $1,979 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | Disability | 2,201 | Jul 1, 2025 | $34,933 | $811 |
| EYEMED VISION CARE | Vision | 2,807 | Jul 1, 2025 | $250,219 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 5,048 | Jul 1, 2025 | $123,043 | $0 |
| EYEMED VISION CARE | Vision | 1,587 | Jul 1, 2025 | $53,617 | $0 |
| EYEMED VISION CARE | Vision | 21 | Jul 1, 2025 | $890 | $0 |
| EYEMED VISION CARE | Vision | 23 | Jul 1, 2025 | $407 | $0 |
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. We publish company names only.
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