Dental Service of Massachusetts Inc

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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

1966

Legal Domicile

Phone

6178861000

Tax Period

2023-01-01 to 2023-12-31

Dental Service of Massachusetts Inc, founded in 1966, is a major nonprofit that reported $329.4M in total revenue in fiscal year 2023. Expenses of $308.9M left a modest 6% surplus.

Mission

ADVANCING ORAL HEALTH FOR A HEALTHIER TOMORROW.

Program Service Accomplishments

Program 1

Expenses: $266,559,260 Revenue: $328,364,674

DENTAL SERVICE OF MASSACHUSETTS, INC. (DSM) D/B/A DELTA DENTAL OF MASSACHUSETTS IS A MASSACHUSETTS NOT-FOR-PROFIT DENTAL SERVICE ORGANIZATION WITH A MISSION TO IMPROVE THE ORAL HEALTH OF ALL AND A...

DENTAL SERVICE OF MASSACHUSETTS, INC. (DSM) D/B/A DELTA DENTAL OF MASSACHUSETTS IS A MASSACHUSETTS NOT-FOR-PROFIT DENTAL SERVICE ORGANIZATION WITH A MISSION TO IMPROVE THE ORAL HEALTH OF ALL AND A VISION TO ACHIEVE PERSON-CENTERED HEALTH BY TRANSFORMING THE SYSTEMS OF POLICY, FINANCE, CARE, AND COMMUNITY. DSM AND ITS SUBSIDIARIES' ACTIVITIES INCLUDE, BUT ARE NOT LIMITED TO, SECURING DENTAL SERVICES FOR EMPLOYEE GROUPS, INDIVIDUALS AND THEIR FAMILIES; INCLUDING THE SAFETY NET POPULATIONS THROUGH MEDICARD, MEDICARE ADVANTAGE AND CHIP PROGRAMS; PROVIDING INNOVATIVE PRODUCTS AND SERVICES; FINANCE AND DEVELP PROFESSIONAL AND SCIENTIFIC STUDY AND RESEARCH; AND EDUCATE THE PUBLIC CONCERNING THE IMPORTANCE OF ORAL HEALTH. DELTA DENTAL OF MASSACHUSETTS IS A MEMBER OF THE DELTA DENTAL PLANS ASSOCIATION. DELTA DENTAL IS AMERICA'S LARGEST AND MOST TRUSTED DENTAL BENEFITS CARRIER, COVERING MORE AMERICANS THAN ANY OTHER DENTAL BENEFITS PROVIDER AND STRIVES DAILY TO MAKE DENTAL COVERAGE MORE ACCESSIBLE AND AFFORDABLE TO A WIDE VARIETY OF EMPLOYERS, GROUPS, AND INDIVIDUALS.

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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 $328,364,674

Investment Income $1,029,647

Other Revenue $0

TOTAL REVENUE $329,394,321

Expense Breakdown

Grants Paid $0

Salaries & Benefits $13,658,988

Fundraising Expenses $0

Program Expenses $266,559,260

Other Expenses $97,694,068

TOTAL EXPENSES $308,913,906

Year-over-Year Comparison

	2023	2022	Change
Revenue	$329,394,321	$317,622,041	+0.0%
Expenses	$308,913,906	$296,398,456	+0.0%
Net Income	$20,480,415	$21,223,585	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

$2,779,765

Total Directors

$999,576

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	Director	1.8	Director	$0	$0	$105,243
N/A	Director	1.8	Director	$0	$0	$114,213
N/A	Director	1.8	Director	$0	$0	$110,057
N/A	Director	1.8	Director	$0	$0	$105,000
N/A	Chair/Director	2.5	Director	$0	$0	$150,000
N/A	Director	1.8	Director	$0	$0	$99,996
N/A	Director	1.8	Director	$0	$0	$105,000
N/A	Director	1.8	Director	$0	$0	$99,996
N/A	Director	1.8	Director	$0	$0	$110,071
N/A	Treasurer	5.0	Officer	$0	$62,034	$653,093
N/A	President & CEO - [1/1/2023 - 3/7/2023]	35.0	Officer	$380,522	$22,213	$402,735
N/A	President - [3/7/2023-12/31/2023]	35.0	Officer	$732,115	$63,586	$795,701
N/A	Asst. Treasurer	5.0	Officer	$0	$60,531	$422,926
N/A	Clerk	5.0	Officer	$0	$16,593	$505,310
N/A	Chief Dental Officer, EVP - CareQuest	0.5	Highest	$0	$48,342	$432,089
N/A	VP - Delta Dental of Massachusetts - Clinical Management	35.0	Highest	$378,275	$30,704	$408,979
N/A	Chief Innovation Officer, EVP - CQ Innovation Partners	0.5	Highest	$0	$23,477	$538,608
N/A	Chief Human Resource Officer, EVP	10.0	Highest	$0	$35,209	$528,718
N/A	President-Carequest	5.0	Highest	$0	$62,083	$1,279,007

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	$329,394,321	$308,913,906	$161,347,176	$20,480,415
2022	$317,622,041	$296,398,456	$133,479,813	$21,223,585
2021	$299,025,981	$266,311,560	$126,144,035	$32,714,421
2020	$264,316,005	$237,832,674	$128,947,720	$26,483,331
2019	$297,831,097	$263,833,652	$179,977,314	$33,997,445
2018	$306,599,248	$274,524,103	$450,590,248	$32,075,145