Delta Dental Plan of New Hampshire Inc (EIN 020273013) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1961

Legal Domicile

Principal Officer

Thomas Raffio

Phone

6032231000

Tax Period

2024-01-01 to 2024-12-31

Delta Dental Plan of New Hampshire Inc, founded in 1961, is a major nonprofit that reported $497.0M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

Provide programs of dental care

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $493,876,385

Investment Income $3,254,312

Other Revenue $-113,608

TOTAL REVENUE $497,017,089

Expense Breakdown

Grants Paid $716,680

Salaries & Benefits $25,096,007

Fundraising Expenses $0

Program Expenses $458,272,489

Other Expenses $28,222,116

TOTAL EXPENSES $497,501,076

Year-over-Year Comparison

	2024	2023	Change
Revenue	$497,017,089	$457,472,075	+0.1%
Expenses	$497,501,076	$453,555,283	+0.1%
Net Income	$-483,987	$3,916,792	-1.1%

Key Indicators

✓ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✓ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

192

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$1,714,950

Total Directors

$202,465

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Matthew Cookson	Vice Chair & Director	3.00	Officer Director	$38,976	$0	$38,976
Karen Carew CPA CFE	Director	3.00	Director	$13,600	$0	$13,600
James St Jean	Director	3.00	Director	$13,375	$0	$13,375
Joseph J Carelli Jr	Director	3.00	Director	$12,875	$0	$12,875
Leesa Smith	Director	3.00	Director	$12,875	$0	$12,875
Cydney Shapleigh	Director	3.00	Director	$12,650	$0	$12,650
David Staples DDS	Chair & Director (end 4/2024)	3.00	Officer Director	$12,564	$0	$12,564
Rachel Forbes DMD	Director	3.00	Director	$11,425	$0	$11,425
Praveen Mandera DMD	Director	3.00	Director	$11,425	$0	$11,425
Keith Levesque DMD	Director	3.00	Director	$11,200	$0	$11,200
Tracy Claybaugh	Director	3.00	Director	$10,700	$0	$10,700
Caroline Clerisme DMD	Director	3.00	Director	$9,975	$0	$9,975
Jennifer E Gilkie	Director	3.00	Director	$8,700	$0	$8,700
Colin Boswell DDS	Director	3.00	Director	$8,525	$0	$8,525
Whitney E Goode	Director	3.00	Director	$7,075	$0	$7,075
Harish Gulati	Director	3.00	Director	$3,625	$0	$3,625
Nader Moavenian DDS	Director (end 4/2024)	3.00	Director	$2,900	$0	$2,900
Thomas Raffio	President & CEO	80.00	Officer	$1,112,510	$72,619	$1,185,129
Laurie Bienefeld	Treasurer & VP Finance	50.00	Officer	$265,206	$22,378	$287,584
Sara M Brehm	Secretary	50.00	Officer	$161,275	$29,422	$190,697
Joseph Errante	VP, Professional Relations	47.00	Highest	$407,183	$63,505	$470,688
William H Lambrukos	Sr. VP Operations	40.00	Highest	$352,772	$63,316	$416,088
Jodie L Hittle	VP, Marketing	50.00	Highest	$345,593	$54,034	$399,627
Michael Bourbeau	VP, Information Systems	50.00	Highest	$337,133	$33,971	$371,104
Brian D Duffy	VP & General Counsel	50.00	Highest	$322,141	$33,880	$356,021

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$497,017,089	$497,501,076	$92,260,948	$-483,987
2023	$457,472,075	$453,555,283	$91,954,190	$3,916,792
2022	$423,230,924	$420,858,128	$86,151,858	$2,372,796
2021	$400,630,362	$393,620,227	$89,157,730	$7,010,135
2020	$334,885,614	$331,077,400	$82,249,112	$3,808,214
2019	$380,322,566	$380,388,993	$75,216,563	$-66,427
2018	$364,625,155	$361,509,552	$71,633,699	$3,115,603

Delta Dental Plan of New Hampshire Inc