Delta Dental of New Jersey

Legal name: Delta Dental of New Jersey Inc

Nonprofit profile at a glance

EIN
221896118
IRS 990 coverage
2010–2024
Official website data refreshed
Sep 2026
Forms available
Form 990 2024
Location
Parsippany, NJ, United States
Phone
(866) 861-4716
Rating
76
Verdict
SUPPORTED
Rating confidence
Moderate

Official website

Reported finances

Revenue
$355,399,184
Expenses
$345,478,164
Assets
$385,301,370
Liabilities
$90,993,758

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

Leadership & pay

28 people listed

Executive titles in this filing

  • DENNIS G WILSON (PRES./CEO (RETIRED 12/31/24))

Highest reported compensation

  • DENNIS G WILSON (PRES./CEO (RETIRED 12/31/24)): $1,616,849 total reported compensation
  • PAUL J DIMAIO ESQ (CHIEF ADMIN. OFF./GEN. COUNSEL): $1,232,244 total reported compensation
  • MICHAEL T RODRIGUES (SVP/CFO): $913,328 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 promote oral health to the greatest number of people by providing accessible dental benefit programs of the highest quality, service and value. Refer a Patient Find an in-network dentist for services you don't provide No missing tooth exclusion We don't have a missing tooth clause Learn About Electronic Claims Everything you should know about submitting claims electronically and how it benefits your practice. The updated Procedure Code Lookup (PCL) tool is even better equipped to help your office look up procedure codes, benefit coverage, and more. Learn more Notices. Special Health Care Needs Benefit Special Health Care Needs Benefit: An additional benefit when your patients need it. Most Delta Dental of New Jersey group benefit plans will include an enhanced benefit for covered members (children and adults) with a qualifying special health care need. Learn more Learn more.

What it reported doing in 2024

Expenses incurred in promoting oral health to the greatest number of people by providing accessible dental benefit programs of the highest quality, service and value; primarily through contracts with independent dentists to member subscribers. Please refer to schedule o for the organization's statement of program service accomplishments.

Operating model

Revenue model
Earned-program. 98% of the money available for current operations came from fees and other program revenue.
Distribution model
Member-benefit provider. The nonprofit used 74% 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. The filing reports few safeguards for money sent abroad and program spending has declined or grown slowly.

Rating breakdown

  • Financial Efficiency: 84
  • Transparency & Controls: 79
  • Accountability: 79
  • Sustainability: 46
  • Growth: 20

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 92.6%; rating input score 93
  • Program expense ratio: 97.2%; rating input score 97
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 68th percentile among comparable filings
  • Pay-setting controls: 5 of 6 controls in place; rating input score 83
    • Compensation committee: Pass
    • Independent consultant: Pass
    • Other Form 990s reviewed: Pass
    • Written employment contract: Missing
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Scored; rating input score 0
  • Grant itemization coverage: 100%; rating input score 100; 77th percentile among comparable filings
  • Major donor itemization: Limited
  • Related-party transparency: Yes; rating input score 100

Accountability

  • Independent voting board: 63.6%; rating input score 64; 18th percentile among comparable filings
  • Governance controls: 9 of 9 controls in place; rating input score 100
    • 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: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 2.8%; rating input score 47; 47th percentile among comparable filings
  • Total-asset coverage ratio: 1.12; rating input score 43; 43rd percentile among comparable filings
  • Liabilities to assets ratio: 0.24; rating input score 64; 64th percentile among comparable filings
  • Officer compensation ratio: 3.4%; rating input score 32; 32nd percentile among comparable filings

Growth

  • Program expense growth: -7.4% per year; rating input score 0; 2nd percentile among comparable filings
  • Revenue growth: -4.8% per year; rating input score 0; 1st percentile among comparable filings
  • Asset growth: 1.7% per year; rating input score 100; 13th percentile among comparable filings

Details

  • What they do: 1 operating location identified
  • Where the money goes: 92.6% of revenue deployed · 97.2% of spending went to programs
  • Governance: 7 of 11 board members independent · 9 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $335.7M in reported program spending
  • Leadership: top reported pay $1.6M · 28 people listed · 5 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $23M reported
  • Consistency: 36 of 36 current checks pass
  • Schedules: 6 filed schedules · includes foreign activity, grants, executive pay, and related organizations
  • Filing history: 14 filing years from 2010 to 2024
  • Contacts: How to reach this organization
  • Money network: 29 filed money-flow records
  • Related organizations: 6 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 — Transparency & Controls: Foreign activity oversight scored 0/100.
  • High — Growth: Program expense growth scored 0/100.
  • High — Growth: Revenue growth scored 0/100.
  • Moderate — Sustainability: Operating margin scored 47/100.
  • Moderate — Sustainability: Total-asset coverage ratio scored 43/100.
  • Moderate — Sustainability: Officer compensation ratio scored 32/100.