DELTA DENTAL PLAN OF ARKANSAS INC

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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

1982

Legal Domicile

Principal Officer

DEBORAH LOWTHARP

Phone

5018353400

Tax Period

2023-01-01 to 2023-12-31

DELTA DENTAL PLAN OF ARKANSAS INC, founded in 1982, is a major nonprofit that reported $241.1M in total revenue in fiscal year 2023.

Mission

PROMOTE ORAL HEALTH AND VISION HEALTH IN THE STATE OF ARKANSAS AND TO IMPROVE THE AWARENESS AND EDUCATION OF THE PUBLIC ON ORAL AND VISION HEALTH MATTERS.

Program Service Accomplishments

Program 1

Expenses: $201,962,214 Revenue: $223,668,386

PROMOTE THE ORAL HEALTH CARE OF THE COMMUNITY THROUGH GROUP AND INDIVIDUAL DENTAL INSURANCE CONTRACTS AND THIRD PARTY DENTAL CLAIMS ADMINISTRATION.

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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 $237,813,728

Investment Income $2,746,805

Other Revenue $541,362

TOTAL REVENUE $241,101,895

Expense Breakdown

Grants Paid $3,748,366

Salaries & Benefits $23,996,211

Fundraising Expenses $0

Program Expenses $201,962,214

Other Expenses $50,044,136

TOTAL EXPENSES $240,844,391

Year-over-Year Comparison

	2023	2022	Change
Revenue	$241,101,895	$242,374,061	0.0%
Expenses	$240,844,391	$231,001,450	+0.0%
Net Income	$257,504	$11,372,611	-1.0%

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

252

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

$4,742,175

Total Directors

$1,309,295

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DR TROY JOHN DRYDEN BARTELS	DIRECTOR	8.00	Director	$285,561	$83,937	$369,498
R MARK BAILEY	DIRECTOR	8.00	Director	$116,817	$26,173	$142,990
SARAH CLARK	CHAIRMAN	8.00	Officer Director	$54,993	$0	$79,989
WAYNE CALLAHAN	DIRECTOR	8.00	Director	$52,293	$0	$62,708
TAMIKA EDWARDS	DIRECTOR	8.00	Director	$42,315	$0	$42,315
JOE THOMPSON	DIRECTOR	8.00	Director	$49,195	$0	$49,195
PHILLIP COX	VICE CHAIR	8.00	Officer Director	$19,720	$59,374	$95,758
CINDY BOYLE	SECRETARY	8.00	Officer Director	$19,690	$44,367	$64,057
NED ALLEY	DIRECTOR	8.00	Director	$195,907	$30,185	$226,092
MARK LANGSTON	DIRECTOR	8.00	Director	$36,258	$0	$36,258
PAUL BEAHM	DIRECTOR	8.00	Director	$31,618	$0	$31,618
DESIREE DARE	DIRECTOR	8.00	Director	$35,368	$0	$35,368
ARNOUD KRIJT	TREASURER	8.00	Officer Director	$19,915	$53,534	$73,449
KRISTIN MERLO	PRESIDENT & CEO	60.00	Officer	$924,833	$195,858	$1,120,691
BRADLEY CLOTHIER	EVP & COO	60.00	Officer	$633,666	$126,747	$760,413
DEBORAH LOWTHARP	VP, FINANCE/CFO	60.00	Officer	$368,692	$102,277	$470,969
THOMAS REDD	VP, PROFESSIONAL RELATIONS	60.00	Officer	$362,194	$52,752	$414,946
JIMMY ANTHONY	VP, STRATEGIC CUSTOMER SOLUTIONS	60.00	Officer	$326,860	$97,417	$424,277
KATIE MEHDIZADEGAN	VP & GENERAL COUNSEL	60.00	Officer	$273,446	$52,591	$326,037
DAVE HAWSEY	VP, MARKETING	60.00	Officer	$269,684	$51,135	$320,819
JENNIFER MORALES	VP, HUMAN RESOURCES	60.00	Officer	$193,652	$46,302	$239,954
CALEB CASTLEBERRY	VP, IT - PART YEAR	60.00	Officer	$192,838	$10,718	$203,556
ELIZABETH JONES	DIRECTOR, MEDICAID OPERATIONS	60.00	Officer	$112,338	$34,922	$147,260
NIKI CARTER	DENTAL DIR & MANAGER, PROF. RELATIONS	40.00	Highest	$279,709	$40,045	$319,754
KATHLEEN SMITH	DENTAL CONSULTANT	40.00	Highest	$181,839	$32,215	$214,054
ROBERT JONES	DENTAL CONSULTANT	40.00	Highest	$153,854	$22,278	$176,132
JEB STEEN	MANAGER, SALES	40.00	Highest	$175,319	$34,279	$209,598
TOMMY SORROWS	MANAGER, APP & REPORTING	40.00	Highest	$150,504	$33,578	$184,082
JAMES COUCH	FORMER SVP & COO	0.00		$113,452	$0	$113,452
EBB JOHNSON	FORMER VP, EX. DIRECTOR, DDAR FOUND.	0.00		$104,322	$0	$104,322

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	$241,101,895	$240,844,391	$189,052,654	$257,504
2022	$242,374,061	$231,001,450	$184,568,310	$11,372,611
2021	$244,317,874	$228,527,906	$185,482,857	$15,789,968
2020	$219,806,934	$205,064,361	$171,528,196	$14,742,573
2019	$235,081,725	$231,752,689	$144,962,568	$3,329,036
2018	$590,804,074	$584,060,299	$158,566,056	$6,743,775