DELTA DENTAL OF SOUTH DAKOTA (EIN 460309258) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1963

Legal Domicile

Principal Officer

JEFFREY MILLER

Phone

6052247345

Tax Period

2024-01-01 to 2024-12-31

DELTA DENTAL OF SOUTH DAKOTA, founded in 1963, is a major nonprofit that reported $172.2M in total revenue in fiscal year 2018.

Mission

DEDICATED TO ADVANCING AND PROMOTING THE IMPROVEMENT OF ORAL HEALTH.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $106,983,519

Investment Income $1,958,776

Other Revenue $1,783,882

TOTAL REVENUE $110,726,177

Expense Breakdown

Grants Paid $2,183,547

Salaries & Benefits $9,641,505

Fundraising Expenses $0

Program Expenses $100,231,613

Other Expenses $100,543,651

TOTAL EXPENSES $112,368,703

Year-over-Year Comparison

	2024	2023	Change
Revenue	$110,726,177	$103,041,227	+0.1%
Expenses	$112,368,703	$104,246,513	+0.1%
Net Income	$-1,642,526	$-1,205,286	+0.4%

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

$1,005,137

Total Directors

$192,419

Key Employees

$1,681,752

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MONTY BECHTOLD DDS	CHAIRMAN OF THE BOARD	2.00	Officer Director	$20,069	$0	$20,069
THOMAS HUBER MD	VICE CHAIRMAN OF BOARD	1.00	Officer Director	$11,450	$0	$11,450
JOHN CLAUSEN CPA	TREASURER	2.00	Officer Director	$15,850	$0	$15,850
CHRIS MAXWELL	SECRETARY	1.00	Officer Director	$10,250	$0	$10,250
PAUL REZICH DDS	DIRECTOR	1.00	Director	$11,450	$0	$11,450
GREG GERTSEN DDS	DIRECTOR (END MAY)	1.00	Director	$5,000	$0	$6,000
JEFF FEIOCK DDS	DIRECTOR (END SEP)	1.00	Director	$6,000	$0	$6,000
G VERNE GOODSELL	DIRECTOR	1.00	Director	$11,350	$0	$11,350
GREG HANSON DDS	DIRECTOR	1.00	Director	$9,850	$0	$33,350
JASON AANENSON DDS	DIRECTOR	1.00	Director	$9,750	$0	$9,750
ELLEN LEE	DIRECTOR (END MAY)	1.00	Director	$4,600	$0	$4,600
ANLEE ROLA DDS	DIRECTOR	1.00	Director	$9,950	$0	$9,950
THANE CRUMP DDS	DIRECTOR	1.00	Director	$9,750	$0	$9,750
TOM SIMMONS	DIRECTOR	1.00	Director	$9,950	$0	$9,950
ROB WYLIE	DIRECTOR	1.00	Director	$10,350	$0	$10,350
STEPHANIE SCHMITZ DDS	DIRECTOR (BEG SEP)	1.00	Director	$1,600	$0	$1,600
STEPHANIE JUDSON	DIRECTOR (BEG MAY)	1.00	Director	$5,350	$0	$5,350
TRAVIS BJORDAHL DDS	DIRECTOR (BEG MAY)	1.00	Director	$5,350	$0	$5,350
JEFF MILLER	PRESIDENT/CEO	40.00	Officer	$554,004	$89,490	$643,494
LAURIE MIKKONEN	CFO	40.00	Officer	$256,734	$47,290	$304,024
KIRBY SCOTT	VP OF FINANCE	40.00	Key Emp	$310,148	$63,341	$373,489
MICK HECKENLIABLE	VP OF OPERATIONS	40.00	Key Emp	$231,726	$46,611	$278,337
GENE TETZLAFF	VP OF IT	40.00	Key Emp	$223,080	$79,959	$303,039
CONNIE HALVERSON	VP OF PUBLIC BENEFIT	10.00	Key Emp	$194,255	$67,582	$261,837
DAYNA HEPPER VP OF	GROWTH & CUSTOMER EXPERIENCE	40.00	Key Emp	$175,906	$50,902	$226,808
ANN SCHWARTZ VP OF	PROVIDER SERVICES & GOVT PROGRAMS	40.00	Key Emp	$172,906	$65,336	$238,242
JAMEY HERR DIRECTOR	OF INFRASTRUCTURE & SECURITY	40.00	Highest	$177,000	$43,185	$220,185
EUGENE CAMPBELL DIRECTOR	OF DEVELOPMENT & MODERNIZATION	40.00	Highest	$167,369	$49,513	$216,882
LORI HALL DIRECTOR	OF CLAIMS PROCESSING	40.00	Highest	$130,075	$26,531	$156,606
MARY WESTERN	PROGRAMMER/ANALYST	40.00	Highest	$126,641	$40,921	$167,562
SCOTT JONES	FOUNDATION PRESIDENT	30.00	Highest	$251,945	$72,664	$324,609

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
2025	No data	No data	No data	No data
2024	$110,726,177	$112,368,703	$45,098,602	$-1,642,526
2023	$103,041,227	$104,246,513	$45,726,829	$-1,205,286
2022	$97,785,832	$101,279,767	$44,015,377	$-3,493,935
2021	$91,359,550	$94,106,984	$54,773,783	$-2,747,434
2020	$86,777,716	$86,441,556	$57,304,768	$336,160
2019	$83,063,245	$81,352,194	$51,433,670	$1,711,051
2018	$172,159,997	$169,639,873	$49,960,510	$2,520,124

DELTA DENTAL OF SOUTH DAKOTA