DELTA DENTAL PLAN OF MICHIGAN INC VEBA SALARIED (EIN 383327507) - 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

1997

Legal Domicile

Principal Officer

DEBORAH PRITCHARD

Phone

5173496000

Tax Period

2023-01-01 to 2023-12-31

DELTA DENTAL PLAN OF MICHIGAN INC VEBA SALARIED, founded in 1997, is a small nonprofit that reported $521K in total revenue in fiscal year 2023. Revenue fell 38% from the prior year — a significant decline worth monitoring. Expenses of $492K left a modest 6% surplus.

Mission

THE TRUST PROVIDES ASSETS TO FUND HEALTH AND WELFARE BENEFITS TO COVERED EMPLOYEES OF DELTA DENTAL PLAN OF MICHIGAN INC, IN ACCORDANCE WITH ITS TAX EXEMPT PURPOSE UNDER IRS SECTION 501(C)(9).

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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 $0

Investment Income $520,816

Other Revenue $0

TOTAL REVENUE $520,816

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $736

TOTAL EXPENSES $492,066

Year-over-Year Comparison

	2023	2022	Change
Revenue	$520,816	$835,687	-0.4%
Expenses	$492,066	$489,031	+0.0%
Net Income	$28,750	$346,656	-0.9%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	TRUSTEE	1.00		$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	$520,816	$492,066	$21,178,142	$28,750
2022	$835,687	$489,031	$18,934,941	$346,656
2021	$3,222,182	$383,360	$22,611,745	$2,838,822
2020	$2,913,824	$473,180	$20,308,135	$2,440,644
2019	$503,647	$455,899	$18,374,801	$47,748
2018	$662,493	$496,451	$15,692,263	$166,042

DELTA DENTAL PLAN OF MICHIGAN INC VEBA SALARIED