DELTA DENTAL OF PENNSYLVANIA

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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

1964

Legal Domicile

Principal Officer

ALICIA F WEBER

Phone

7177668500

Tax Period

2023-01-01 to 2023-12-31

DELTA DENTAL OF PENNSYLVANIA, founded in 1964, is a major nonprofit in the Mutual Benefit sector that reported $907.7M in total revenue in fiscal year 2023.

Mission

TO ADVANCE DENTAL HEALTH AND ACCESS THROUGH EXCEPTIONAL DENTAL BENEFITS, SERVICE, TECHNOLOGY, AND PROFESSIONAL SUPPORT.

Program Service Accomplishments

Program 1

Expenses: $877,493,638 Revenue: $907,728,534

THE ORGANIZATION PROVIDED DENTAL BENEFIT COVERAGE FOR 2,762,197 BENEFICIARIES IN 2023, PRIMARILY THROUGH CONTRACTS WITH INDEPENDENT DENTISTS SERVING 1,913 PURCHASING GROUPS. THE ORGANIZATION PAID...

THE ORGANIZATION PROVIDED DENTAL BENEFIT COVERAGE FOR 2,762,197 BENEFICIARIES IN 2023, PRIMARILY THROUGH CONTRACTS WITH INDEPENDENT DENTISTS SERVING 1,913 PURCHASING GROUPS. THE ORGANIZATION PAID MORE THAN $783.5 MILLION FOR DENTAL CARE DURING 2023.

Program 2

Expenses: $2,449,420

THE ORGANIZATION MADE GRANTS DURING 2023 TO FOSTER IMPROVED ACCESS TO DENTAL HEALTH CARE TREATMENT, TO SUPPORT PROFESSIONAL DENTAL EDUCATION, AND TO PROVIDE ORAL HEALTH INSTRUCTION FOR PATIENTS.

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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 $898,236,054

Investment Income $13,175,911

Other Revenue $-3,683,431

TOTAL REVENUE $907,728,534

Expense Breakdown

Grants Paid $2,449,420

Salaries & Benefits $52,782,360

Fundraising Expenses $0

Program Expenses $879,943,058

Other Expenses $51,321,958

TOTAL EXPENSES $890,078,116

Year-over-Year Comparison

	2023	2022	Change
Revenue	$907,728,534	$880,645,158	+0.0%
Expenses	$890,078,116	$842,074,851	+0.1%
Net Income	$17,650,418	$38,570,307	-0.5%

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

828

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

$17,511,577

Total Directors

$442,959

Key Employees

$2,903,161

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CASTRO MICHAEL J	CHIEF EXECUTIVE OFFICER	4.00	Officer	$0	$262,132	$7,171,497
JACKSON KEVIN L	EVP/CHIEF GROWTH OFFICER	0.00		$0	$16,795	$4,176,815
CHAVARRIA SARAH M	PRESIDENT	4.00	Officer	$0	$66,709	$3,151,261
WEBER ALICIA F	EVP CHIEF FINANCIAL OFFICER	4.00	Officer	$0	$74,060	$2,811,392
HANKINSON MICHAEL G	EVP CHIEF LEGAL OFFICER	4.00	Officer	$0	$55,810	$2,292,835
TITCOMBE DOMINIC	EVP/CHIEF INFORMATION OFFICER	4.00	Officer	$0	$66,709	$1,985,103
MACGILVRAY JENNIFER	SENIOR VICE PRESIDENT QUALITY CARE AND CLAIMS	40.00	Key Emp	$692,106	$64,823	$756,929
CLARKE JAMIE	VICE PRESIDENT NETWORK DEVELOPMENT	40.00	Key Emp	$591,677	$58,075	$649,752
GRAYBILL RICHARD C	VP UNDERWRITING AND ACTUARIAL	29.00	Key Emp	$562,132	$45,704	$607,836
COOVER ROBERT D	DIRECTOR SALES	40.00	Highest	$399,911	$60,101	$460,012
WEIS JOHN P	DIRECTOR INFRASTRUCTURE & OPERATIONS	40.00	Highest	$391,588	$64,015	$455,603
DAVIS CHRISTOPHER T	VP SALES	40.00	Key Emp	$389,200	$62,231	$451,431
CEMBROLA MICHAEL	VP SALES	29.00	Key Emp	$422,548	$14,665	$437,213
MOORMAN ROGER W	SALES ACCOUNT EXECUTIVE	40.00	Highest	$361,242	$62,936	$424,178
ASHCROFT VALERIE	DIRECTOR TALENT ACQUISITION	40.00	Highest	$328,010	$56,622	$384,632
GRAY ALICIA	SENIOR DIRECTOR G&A, UM & REGULATORY ADHERENCE	40.00	Highest	$311,331	$52,839	$364,170
BERGERT GLEN F CPA	DIRECTOR	2.00	Director	$35,000	$0	$219,500
FOSTER JEANNE M	VP FINANCE	0.00		$192,219	$0	$192,219
MAHER DEBRA G	CHAIR	2.00	Officer Director	$46,004	$0	$62,504
WENGER PHILIP R	VICE CHAIR	2.00	Officer Director	$21,985	$0	$36,985
BECK JR JOSEPH P	DIRECTOR	2.00	Director	$35,000	$0	$35,000
CARTER JR EUGENE F	DIRECTOR	2.00	Director	$30,985	$0	$30,985
LITTLE SCOTT Q DDS	DIRECTOR	1.00	Director	$21,985	$0	$21,985
BRUNO MICHELLE A	DIRECTOR	1.00	Director	$18,000	$0	$18,000
VEIHDEFFER L WILLIAM DMD	DIRECTOR	1.00	Director	$18,000	$0	$18,000
KOTCHICK CHRISTOPHER J DMD	DIRECTOR	1.00	Director	$0	$0	$0

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	$907,728,534	$890,078,116	$452,498,260	$17,650,418
2022	$880,645,158	$842,074,851	$400,169,981	$38,570,307
2021	$859,869,165	$828,813,314	$366,035,375	$31,055,851
2020	$737,749,731	$720,646,019	$340,073,068	$17,103,712
2019	$839,266,918	$814,230,541	$293,052,893	$25,036,377
2018	$770,106,855	$752,695,840	$255,721,013	$17,411,015