DELTA DENTAL OF NEW JERSEY INC (EIN 221896118) - 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

1969

Legal Domicile

Principal Officer

DENNIS G WILSON

Phone

9732854205

Tax Period

2023-01-01 to 2023-12-31

DELTA DENTAL OF NEW JERSEY INC, founded in 1969, is a major nonprofit that reported $332.2M in total revenue in fiscal year 2023. Expenses of $318.6M left a modest 4% surplus.

Mission

TO PROMOTE ORAL HEALTH TO THE GREATEST NUMBER OF PEOPLE BY PROVIDING ACCESSIBLE DENTAL BENEFIT PROGRAMS OF THE HIGHEST QUALITY, SERVICE AND VALUE.

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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 $324,934,714

Investment Income $9,341,175

Other Revenue $-2,091,265

TOTAL REVENUE $332,184,624

Expense Breakdown

Grants Paid $235,157

Salaries & Benefits $40,769,931

Fundraising Expenses $0

Program Expenses $309,376,023

Other Expenses $51,546,711

TOTAL EXPENSES $318,607,684

Year-over-Year Comparison

	2023	2022	Change
Revenue	$332,184,624	$312,347,557	+0.1%
Expenses	$318,607,684	$302,161,345	+0.1%
Net Income	$13,576,940	$10,186,212	+0.3%

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

333

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

$2,769,114

Total Directors

$965,778

Key Employees

$5,249,512

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DENNIS G WILSON	PRESIDENT/CEO	50.0	Officer	$1,566,219	$104,028	$1,670,247
PAUL J DIMAIO ESQ	CHIEF ADMIN. OFF./GEN. COUNSEL	50.0	Key Emp	$898,709	$107,121	$1,005,830
MICHAEL T RODRIGUES	SVP/CFO	50.0	Officer	$728,406	$105,341	$833,747
JEFF FURBISH	VP/CSO	50.0	Key Emp	$647,721	$161,241	$808,962
LORI A ACKER	SVP OPERATIONS (TERM 12/31/23)	50.0	Key Emp	$604,255	$103,975	$708,230
Kim White-Wapelhorst	Sales Executive	50.0	Highest	$558,929	$106,197	$665,126
KEITH D LIBOU	CHIEF CLINICAL OFFICER	50.0	Key Emp	$563,330	$98,971	$662,301
KEVIN BUCKMAN	ACCOUNT EXECUTIVE	50.0	Highest	$541,166	$101,711	$642,877
RANDY M STODARD	VP/CHIEF MARKETING OFFICER	50.0	Key Emp	$492,627	$104,869	$597,496
JUSTIN LAHULLIER	CIO/VP INFORMATION SERVICES	50.0	Key Emp	$404,844	$107,472	$512,316
BARRY PETRUZZI	VP UNDERWRITING	50.0	Key Emp	$398,505	$105,646	$504,151
VINCENT FARINELLA	VP STRATEGY & PRODUCT DEVELOP	50.0	Key Emp	$382,825	$67,401	$450,226
MARK SAINATO	SALES EXECUTIVE	50.0	Highest	$330,575	$103,142	$433,717
KELLY PAPPAS	SALES EXECUTIVE	50.0	Highest	$345,508	$78,705	$424,213
DOREEN PILIGIAN	AVP & Associate Gen. Counsel	50.0	Highest	$286,954	$60,020	$346,974
RONALD I DEBLINGER DMD	CHAIRMAN - TRUSTEE	25.0	Officer Director	$257,321	$7,799	$265,120
MORTON REINHART	TRUSTEE	4.9	Director	$72,475	$1,321	$85,296
WILLIAM J FAULKNER	TRUSTEE	4.4	Director	$72,475	$772	$84,747
JAY H OYER	TRUSTEE	3.0	Director	$72,475	$1,321	$79,296
LISA N GALLUCCI DMD	TRUSTEE	3.0	Director	$72,475	$772	$78,747
JOSEPH P MAZZA DMD	TRUSTEE	3.0	Director	$72,475	$330	$77,805
DEBRA G SALMAN DDS	TRUSTEE	3.0	Director	$72,475	$1,321	$73,796
RICHARD G BOZZA EDD	TRUSTEE	3.0	Director	$72,475	$1,321	$73,796
JORGE E GRACIA ESQ	TRUSTEE	3.0	Director	$66,475	$2,245	$68,720
GEORGE C MCLAUGHLIN DMD	Trustee (Termed 12/31/23)	4.8	Director	$66,475	$772	$67,247
Nicole M McGrath-Barnes DDS	TRUSTEE	3.0	Director	$11,079	$129	$11,208

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	$332,184,624	$318,607,684	$356,203,676	$13,576,940
2022	$312,347,557	$302,161,345	$325,966,815	$10,186,212
2021	$295,379,195	$295,003,337	$344,405,175	$375,858
2020	$269,294,061	$262,699,735	$341,103,768	$6,594,326
2019	$282,965,082	$285,647,605	$329,849,063	$-2,682,523
2018	$653,585,672	$651,139,936	$315,355,237	$2,445,736

DELTA DENTAL OF NEW JERSEY INC