Delta Dental of Delaware Inc

Nonprofit profile at a glance

EIN
510228088
IRS 990 coverage
2011–2024
Forms available
Form 990 2024
Location
Camp Hill, PA, USA
Phone
7177668500
Rating
67
Verdict
SUPPORTED
Rating confidence
Moderate

Official website

Reported finances

Revenue
$101,844,888
Expenses
$102,233,844
Assets
$23,835,332
Liabilities
$12,341,991

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

16 people listed

Executive titles in this filing

  • CHAVARRIA SARAH M (CEO AND PRESIDENT)
  • CLARKE JAMIE (VICE PRESIDENT NETWORK DEVELOPMENT)
  • DAVIS CHRISTOPHER T (VICE PRESIDENT SALES)
  • GRAY ALICIA (VICE PRESIDENT BUSINESS QUALITY)
  • CASTRO MICHAEL J (FORMER CHIEF EXECUTIVE OFFICER)

Highest reported compensation

  • CASTRO MICHAEL J (FORMER CHIEF EXECUTIVE OFFICER): $6,159,596 total reported compensation
  • CHAVARRIA SARAH M (CEO AND PRESIDENT): $4,125,991 total reported compensation
  • WEBER ALICIA F (EVP CHIEF FINANCIAL OFFICER): $3,845,265 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To advance dental health and access through exceptional dental benefits, service, technology, and professional support.

What it reported doing in 2024

The organization provided dental benefit coverage for 249,061 beneficiaries in 2024, primarily through contracts with independent dentists. Serving 70 purchasing groups. The organization paid more than $92.8 million for dental care during 2024.

Operating model

Revenue model
Earned-program. 99% of the money available for current operations came from fees and other program revenue.
Distribution model
Member-benefit provider. The nonprofit used 92% of its reported program spending for member benefits.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. A relatively small share of voting board members are independent and few specific pay-setting methods are documented in the filing; unanswered boxes are not proof of absence.

Rating breakdown

  • Financial Efficiency: 88
  • Transparency & Controls: 60
  • Accountability: 37
  • Sustainability: 27
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 98.6%; rating input score 99
  • Program expense ratio: 98.9%; rating input score 99
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 68th percentile among comparable filings
  • Pay-setting controls: 0 of 6 controls in place; rating input score 0
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Missing
    • Compensation survey or study: Missing
    • Board or committee approval: Missing
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 0%; rating input score 0; 4th percentile among comparable filings
  • Governance controls: 8 of 9 controls in place; rating input score 89
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -0.4%; rating input score 25; 25th percentile among comparable filings
  • Total-asset coverage ratio: 0.23; rating input score 7; 7th percentile among comparable filings
  • Liabilities to assets ratio: 0.52; rating input score 35; 35th percentile among comparable filings
  • Officer compensation ratio: 0.9%; rating input score 76; 76th percentile among comparable filings

Growth

  • Program expense growth: 14.2% per year; rating input score 100; 86th percentile among comparable filings
  • Revenue growth: 13.9% per year; rating input score 100; 87th percentile among comparable filings
  • Asset growth: 11.5% per year; rating input score 100; 76th percentile among comparable filings

Details

  • Where the money goes: 98.6% of revenue deployed · 98.9% of spending went to programs
  • Governance: 0 of 4 board members independent · 8 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $101.1M in reported program spending
  • Leadership: top reported pay $6.2M · 16 people listed · 0 of 6 pay-setting controls reported
  • Consistency: 22 of 22 current checks pass
  • Schedules: 4 filed schedules · includes executive pay
  • Filing history: 13 filing years from 2011 to 2024
  • Contacts: How to reach this organization
  • Related organizations: 21 filed related-organization links
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Accountability: Independent voting board scored 0/100.
  • High — Transparency & Controls: Pay-setting controls scored 0/100.
  • High — Sustainability: Operating margin scored 25/100.
  • High — Sustainability: Total-asset coverage ratio scored 7/100.
  • Review — Accountability: Governance controls: Form 990 shared with the board not reported.
  • Moderate — Sustainability: Liabilities to assets ratio scored 35/100.