Delta Dental of Missouri

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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

1958

Legal Domicile

Phone

3146563000

Tax Period

2023-01-01 to 2023-12-31

Delta Dental of Missouri, founded in 1958, is a major nonprofit that reported $724.1M in total revenue in fiscal year 2023.

Mission

THE ORGANIZATION'S PRIMARY PURPOSE IS TO IMPROVE THE DENTAL HEALTH OF THE PUBLIC BY PROMOTING PREVENTIVE DENTISTRY AND PROVIDING COMPREHENSIVE DENTAL CARE AND MAINTENANCE ON A PREPAID BASIS.

Program Service Accomplishments

Program 1

Expenses: $704,593,996 Revenue: $718,655,430

DELTA DENTAL OF MISSOURI IS A PREPAID DENTAL INSURANCE COMPANY. IN 2023, DELTA DENTAL PROCESSED 3,406,675 CLAIMS FOR DENTAL SERVICES.

Program 2

Expenses: $1,168,352

ORAL HEALTH GRANT PROGRAM PROGRAM DESCRIPTION: DELTA DENTAL OF MISSOURI'S ORAL HEALTH GRANT PROGRAM HELPS REDUCE DENTAL DISEASE THROUGH EDUCATION, PREVENTION AND TREATMENT; ENSURE ACCESS TO...

ORAL HEALTH GRANT PROGRAM PROGRAM DESCRIPTION: DELTA DENTAL OF MISSOURI'S ORAL HEALTH GRANT PROGRAM HELPS REDUCE DENTAL DISEASE THROUGH EDUCATION, PREVENTION AND TREATMENT; ENSURE ACCESS TO AFFORDABLE, TIMELY AND HIGH-QUALITY DENTAL CARE; AND ENHANCE AWARENESS OF GOOD ORAL HEALTH WITH A FOCUS ON CHILDREN AND UNDERSERVED INDIVIDUALS. IN 2023, DELTA DENTAL OF MISSOURI AWARDED NEARLY $1.2 MILLION IN GRANTS TO 27 MISSOURI AND SOUTH CAROLINA ORGANIZATIONS, WHICH ALIGN WITH ITS NON-PROFIT MISSION TO IMPROVE ORAL HEALTH. FUNDING INCLUDED DIRECT CARE GRANTS; EQUIPMENT/CAPITAL GRANTS; WORKFORCE DEVELOPMENT; EDUCATIONAL GRANTS; AND LOAN REPAYMENT GRANTS FOR DENTISTS WHO COMMIT TO SERVING IN A DENTAL HEALTH PROFESSIONAL SHORTAGE AREA. THE COMPANY ACCEPTS GRANT APPLICATIONS ANNUALLY. TO BE ELIGIBLE FOR AN ORAL HEALTH GRANT, APPLICANTS IN BOTH STATES MUST FIRST COMPLETE A LETTER OF INTENT THROUGH THE ONLINE GRANT APPLICATION SYSTEM. APPLICANTS MUST BE CONSIDERED TAX-EXEMPT UNDER 501(C)(3) OF THE INTERNAL REVENUE CODE, OR BE A PUBLIC OR GOVERNMENTAL ENTITY, SUCH AS A PUBLIC SCHOOL OR HEALTH DEPARTMENT, AND SERVE THE PEOPLE OF MISSOURI OR SOUTH CAROLINA. THE MINIMUM GRANT AMOUNT IS $5,000. ORAL HEALTH GRANTS GREATER THAN $5,000 ARE INCLUDED IN SCHEDULE I. DELTA DENTAL OF MISSOURI BEGAN ADMINISTERING THIS ORAL HEALTH GRANT PROGRAM ONLINE IN 2017.

Program 3

Expenses: $367,000

LAND OF SMILES PROGRAM PROGRAM DESCRIPTION: DELTA DENTAL OF MISSOURI'S LAND OF SMILES IS AN EDUCATIONAL PROGRAM THAT FEATURES CAPTIVATING CHARACTERS, WHO TEACH GRADE SCHOOLERS GOOD DENTAL HEALTH...

LAND OF SMILES PROGRAM PROGRAM DESCRIPTION: DELTA DENTAL OF MISSOURI'S LAND OF SMILES IS AN EDUCATIONAL PROGRAM THAT FEATURES CAPTIVATING CHARACTERS, WHO TEACH GRADE SCHOOLERS GOOD DENTAL HEALTH HABITS. THE PROGRAM IS AVAILABLE IN A LIVE, IN-PERSON AND VIRTUAL FORMAT. IN 2023, DELTA DENTAL OF MISSOURI INVESTED MORE THAN $367,000 TO EDUCATE NEARLY 110,000 MISSOURI AND SOUTH CAROLINA KINDERGARTEN-THROUGH-3RD-GRADE STUDENTS IN 489 SCHOOLS. STUDENTS LEARN THE IMPORTANCE OF BRUSHING TEETH TWICE A DAY, FLOSSING, EATING HEALTHY FOODS AND VISITING THE DENTIST REGULARLY. DELTA DENTAL OF MISSOURI OFFERS FREE "SMILE BAGS" TO SCHOOLS FOR STUDENTS WHO PARTICIPATE IN THE PROGRAM. EACH BAG INCLUDES A TOOTHBRUSH, TOOTHPASTE AND DENTAL FLOSS TO HELP STUDENTS PRACTICE THE GOOD ORAL HEALTH HABITS THAT THEY LEARN. EACH SCHOOL IS RESPONSIBLE FOR DISTRIBUTING THE BAGS TO PARTICIPATING STUDENTS WHO ATTEND SCHOOL IN PERSON OR VIRTUALLY. A SURVEY OF SCHOOL NURSES SHOWED THAT 99% WOULD LIKE TO HAVE THE PROGRAM RETURN TO THEIR SCHOOL. PRE- AND POST-TEST DATA ALSO SHOWED A 23% INCREASE IN CHILDREN'S ORAL HEALTH KNOWLEDGE AFTER VIEWING THE PROGRAM. LONGEVITY: THIS PROGRAM HAS BEEN IN PLACE IN MISSOURI SINCE 2002, AND IN SOUTH CAROLINA SINCE 2014.

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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 $718,655,430

Investment Income $4,126,810

Other Revenue $1,292,409

TOTAL REVENUE $724,074,649

Expense Breakdown

Grants Paid $1,289,928

Salaries & Benefits $40,019,351

Fundraising Expenses $0

Program Expenses $706,329,778

Other Expenses $25,648,448

TOTAL EXPENSES $720,706,455

Year-over-Year Comparison

	2023	2022	Change
Revenue	$724,074,649	$688,860,608	+0.1%
Expenses	$720,706,455	$682,500,172	+0.1%
Net Income	$3,368,194	$6,360,436	-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

291

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

$6,274,355

Total Directors

$594,100

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	Secretary/Director	2.0	Officer Director	$38,850	$0	$38,850
N/A	Chair of the Board/Director - Term Ended	2.0	Officer Director	$64,050	$0	$64,050
N/A	Chair of the Board/Director	2.0	Officer Director	$54,900	$0	$54,900
N/A	Second Vice Chair/Director	2.0	Officer Director	$37,300	$0	$37,300
N/A	First Vice Chair/Director	2.0	Officer Director	$46,200	$0	$46,200
N/A	Secretary/Director - Term Ended	2.0	Officer Director	$42,700	$0	$42,700
N/A	Treasurer/Director	2.0	Officer Director	$33,300	$0	$33,300
N/A	Director	2.0	Director	$0	$0	$0
N/A	Director	2.0	Director	$0	$0	$0
N/A	Director	2.0	Director	$0	$0	$0
N/A	Director	2.0	Director	$45,100	$0	$45,100
N/A	Director	2.0	Director	$31,200	$0	$31,200
N/A	Director	2.0	Director	$33,300	$0	$33,300
N/A	Director	2.0	Director	$0	$0	$0
N/A	Director - Term Ended	2.0	Director	$30,150	$0	$30,150
N/A	Director	2.0	Director	$0	$0	$0
N/A	Director	2.0	Director	$34,250	$0	$34,250
N/A	Director - Term Ended	2.0	Director	$34,350	$0	$34,350
N/A	Director	2.0	Director	$32,250	$0	$32,250
N/A	Treasurer/Director - Term Ended	2.0	Director	$36,200	$0	$36,200
N/A	CFO/General Counsel/Officer	60.0	Officer	$909,106	$103,599	$1,012,705
N/A	Chief Actuarial Officer	60.0	Officer	$279,157	$83,762	$362,919
N/A	President & CEO	60.0	Officer	$1,603,972	$101,568	$1,705,540
N/A	Chief Sales & Marketing Officer	60.0	Officer	$800,403	$68,578	$868,981
N/A	Chief Human Resource Officer	60.0	Officer	$357,902	$80,390	$438,292
N/A	Chief Operating Officer	60.0	Officer	$649,047	$88,340	$737,387
N/A	Chief Information Officer	60.0	Officer	$245,151	$16,239	$261,390
N/A	General Counsel	60.0	Officer	$16,154	$0	$16,154
N/A	COO/Officer	60.0	Officer	$501,426	$52,261	$553,687
N/A	Director of Marketing	60.0	Highest	$238,715	$77,569	$316,284
N/A	Compliance Director	60.0	Highest	$272,613	$71,874	$344,487
N/A	Director of Operations	60.0	Highest	$231,626	$52,124	$283,750
N/A	Director of Project Management	60.0	Highest	$230,101	$61,062	$291,163
N/A	Account Executive	60.0	Highest	$336,707	$76,186	$412,893
N/A	Former CIO/Officer	60.0		$1,346,691	$13,961	$1,360,652

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	$724,074,649	$720,706,455	$216,935,116	$3,368,194
2022	$688,860,608	$682,500,172	$200,900,199	$6,360,436
2021	$677,009,686	$667,146,214	$206,764,296	$9,863,472
2020	$556,272,399	$547,685,346	$193,102,771	$8,587,053
2019	$610,890,658	$599,436,942	$178,340,938	$11,453,716
2018	$623,758,067	$621,924,610	$182,550,863	$1,833,457