Hmmm....I'd try to get rid of it, because you're just asking for more fungus/mold problems with the plants once they sprout. Try carefully scooping the moldy dirt out and replace with some fresh stuff. You don't need to cover them, unless you feel you must. I used to keep mine in my growroom in 16 ounce styrofoam cups, placed inside a cardboard box with the top open for ventilation. Did you germinate them first? You'll have a much higher success rate if you do, and you won't have to keep them covered. Also, they don't need any light until they poke up out of the soil and open their first set of leaves. Keep them temp between 70* and 80* and you should be fine, and won't have to worry about mold. Also, you might want to use a sterylized soil, if you're not already.
I use neem oil alot, for fungus/mold and pests, so if you have some, I'd spray a fine mist over top of the soil after you've removed the mold. There should also be some kind of light breeze or minimal ventilation in the room too, and that will help precent mold from forming. That Saranwrap is creating a perfect environment for mold to grow, so if you still insist on using it, I suggest poking a bunch of holes in the top for ventilation. Or better yet, cut the bottom off of a two liter bottle and cover the seed with that. The increased volume will also slow down mold from forming.
It's 7AM and I'm tired, so I'm sure i left out some stuff, but that should help a little, i hope. Basically, you need some airflow.
