ARIZONA DENTAL INSURANCE SERVICE INC (EIN 860274899) - 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

1972

Legal Domicile

Principal Officer

MARK ANDERSON

Phone

6025883976

Tax Period

2023-01-01 to 2023-12-31

ARIZONA DENTAL INSURANCE SERVICE INC, founded in 1972, is a major nonprofit that reported $161.5M in total revenue in fiscal year 2023. Expenses of $153.7M left a modest 5% surplus.

Mission

THE CORPORATION EXISTS TO IMPROVE LIVES BY PROMOTING OPTIMAL ORAL HEALTH.

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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 $157,796,530

Investment Income $3,581,742

Other Revenue $123,301

TOTAL REVENUE $161,501,573

Expense Breakdown

Grants Paid $1,303,136

Salaries & Benefits $17,041,280

Fundraising Expenses $0

Program Expenses $131,790,145

Other Expenses $135,332,862

TOTAL EXPENSES $153,677,278

Year-over-Year Comparison

	2023	2022	Change
Revenue	$161,501,573	$150,666,559	+0.1%
Expenses	$153,677,278	$144,473,084	+0.1%
Net Income	$7,824,295	$6,193,475	+0.3%

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

174

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

$4,125,455

Total Directors

$400,508

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RONALD V DAVELLA	BOARD CHAIR - BEG 4/23	10.00	Officer Director	$55,976	$0	$55,976
RICHARD B HIGGS DDS	BOARD CHAIR & BOARD MEMBER	3.00	Officer Director	$42,664	$0	$42,664
MICHAEL A WARREN	SECRETARY/TREASURER	3.00	Officer Director	$38,432	$0	$38,432
GERALD E LOE	BOARD MEMBER	3.00	Director	$36,996	$0	$36,996
BRENDA SCHMIDT	BOARD VICE-CHAIR	3.00	Officer Director	$36,764	$0	$36,764
BRUCE ALLAN SPIGNER DDS	BOARD MEMBER	3.00	Director	$36,332	$0	$36,332
GARY OWEN JONES DDS	BOARD MEMBER	3.00	Director	$34,668	$0	$34,668
SHAHARYAR ASHRAF	BOARD MEMBER	3.00	Director	$32,668	$0	$32,668
STEPHEN MEYER HOUGHTON	BOARD MEMBER	3.00	Director	$30,336	$0	$30,336
CANDACE HUNTER WIEST	BOARD MEMBER	3.00	Director	$30,336	$0	$30,336
MATTHEW WANDOLOSKI	BOARD MEMBER	3.00	Director	$25,336	$0	$25,336
MICHAEL JONES	PRESIDENT/CEO	40.00	Officer	$939,425	$182,594	$1,122,019
MARK ANDERSON	SENIOR VICE PRESIDENT/CFO	40.00	Officer	$554,494	$117,177	$671,671
LESLIE HESS	GENERAL COUNSEL & CCO	40.00	Officer	$438,824	$88,489	$527,313
CRAIG LIVESAY	SENIOR VICE PRESIDENT/COO	40.00	Officer	$435,249	$97,735	$532,984
JOLOU TRUJILLO-OTTINO	SVP OF SALES - THRU 6/23	40.00	Officer	$289,599	$40,140	$329,739
JASON GREENWOOD	SVP OF MARKETING AND COMMUNICATIONS	40.00	Officer	$298,755	$64,894	$363,649
JOLEAN FLECK	VP, PEOPLE & ORG DEVELOPMENT	40.00	Officer	$327,578	$76,666	$404,244
HEATHER N SCHNEIDER	DENTAL DIRECTOR	40.00	Highest	$237,383	$11,959	$249,342
JOSHUA CUPERO	CONTROLLER	40.00	Highest	$211,053	$24,122	$235,175
JOHN BRULEY	DIRECTOR OF IT	40.00	Highest	$195,687	$36,087	$231,774
ERIC SKARTVEIT	SENIOR DIRECTOR OF UNDERWRITING	40.00	Highest	$197,920	$36,441	$234,361
TIFFANY DI GIACINTO	SENIOR DIRECTOR OF BRAND AND PRODUCT	40.00	Highest	$191,076	$22,871	$213,947
ALLAN ALLFORD	FORMER CEO	0.00		$579,195	$0	$579,195

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	$161,501,573	$153,677,278	$150,102,052	$7,824,295
2022	$150,666,559	$144,473,084	$133,786,203	$6,193,475
2021	$150,253,256	$139,270,233	$142,905,114	$10,983,023
2020	$111,030,549	$102,589,135	$129,697,627	$8,441,414
2019	$113,090,381	$102,874,668	$115,786,813	$10,215,713
2018	$236,712,518	$233,074,962	$108,664,836	$3,637,556

ARIZONA DENTAL INSURANCE SERVICE INC