Delta Dental Plan Of Vermont Inc (EIN 030219391) - 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

1965

Legal Domicile

Principal Officer

Thomas Raffio

Phone

6032231000

Tax Period

2023-01-01 to 2023-12-31

Delta Dental Plan Of Vermont Inc, founded in 1965, is a major nonprofit that reported $103.7M in total revenue in fiscal year 2023.

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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $102,735,893

Investment Income $941,270

Other Revenue $0

TOTAL REVENUE $103,677,163

Expense Breakdown

Grants Paid $286,700

Salaries & Benefits $811,905

Fundraising Expenses $0

Program Expenses $94,725,235

Other Expenses $11,245,027

TOTAL EXPENSES $101,783,132

Year-over-Year Comparison

	2023	2022	Change
Revenue	$103,677,163	$98,493,668	+0.1%
Expenses	$101,783,132	$96,629,553	+0.1%
Net Income	$1,894,031	$1,864,115	+0.0%

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

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

$1,671,203

Total Directors

$153,119

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
David Solomon DDS	Trustee & Chair	3.00	Officer Director	$31,768	$0	$31,768
Nancy Rowden-Brock	Trustee & Treasurer	3.00	Officer Director	$14,456	$0	$14,456
Brian Townsend	Trustee & Vice Chair	3.00	Officer Director	$22,762	$0	$22,762
Katherine A O'Connell CPA	Trustee (Part Year)	3.00	Officer Director	$3,317	$0	$3,317
Elizabeth Carmack DMD	Trustee	3.00	Director	$11,688	$0	$11,688
Jason W Williams	Trustee	3.00	Director	$10,304	$0	$10,304
Rachel Rivard DDS	Trustee	3.00	Director	$10,496	$0	$10,496
Adam Fasoli DMD	Trustee	3.00	Director	$13,072	$0	$13,072
Wanda Heading-Grant EdD	Trustee	3.00	Director	$6,228	$0	$6,228
Jennifer Niles DMD	Trustee & Secretary	3.00	Officer Director	$11,188	$0	$11,188
Jill Mazza Olson MPA	Trustee	3.00	Director	$5,652	$0	$5,652
Tyler Aten DMD	Trustee	3.00	Director	$6,344	$0	$6,344
Katherine Meyers CPA	Trustee	3.00	Director	$5,844	$0	$5,844
Thomas Raffio	DDPNH President & CEO	10.00	Officer	$1,106,070	$71,434	$1,177,504
William H Lambrukos	DDPNH Sr. Vice President	10.00	Officer	$351,447	$58,761	$410,208

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	No data	No data	No data	No data
2023	$103,677,163	$101,783,132	$41,939,634	$1,894,031
2022	$98,493,668	$96,629,553	$38,089,544	$1,864,115
2021	$93,240,875	$89,894,265	$39,409,288	$3,346,610
2020	$78,527,527	$75,725,991	$36,773,415	$2,801,536
2019	$85,135,696	$86,272,672	$31,266,798	$-1,136,976
2018	$81,843,802	$79,752,593	$30,118,399	$2,091,209

Delta Dental Plan Of Vermont Inc