Delta Dental

Legal name: Delta Dental of New York Inc

Nonprofit profile at a glance

EIN
111980218
IRS 990 coverage
2011–2024
Official website data refreshed
Sep 2026
Forms available
Form 990 2024
Location
Camp Hill, PA, USA
Phone
888-706-0413
Rating
79
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Insurance Providers

Official website

Reported finances

Revenue
$860,618,607
Expenses
$839,735,207
Assets
$286,187,796
Liabilities
$90,022,176

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

Leadership & pay

26 people listed

Executive titles in this filing

  • CHAVARRIA SARAH M (CEO & 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 & 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

Our purpose is to improve health by providing access to quality care. Jun 26, 2026 Community, purpose and a 5K: Delta Dental of California employees support those who have served with Carry the Load Across Alpharetta, GA, Camp Hill, PA, and Cerritos, Oakland, and Rancho Cordova, CA, Delta Dental of California employees gathered to commemorate Memorial Day with Carry the Load events, organized by employee impact groups Families First and MPACT (Military Partnership for Advocacy, Community and Transition). Jun 02, 2026 Delta Dental of California and Midi Health expand partnership to advance women’s oral and whole-body health Delta Dental of California and Affiliates (Delta Dental) and Midi Health, a leading telehealth platform specializing in perimenopause and m.

What it reported doing in 2024

The organization provided dental benefit coverage for 2,229,871 beneficiaries in 2024, primarily through contracts with independent dentists serving 2,235 purchasing groups. The organization paid more than $773.1 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 93% of its reported program spending for member benefits.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and most voting board members are independent. Few specific pay-setting methods are documented in the filing; unanswered boxes are not proof of absence and total assets are small relative to annual expenses; liquid coverage is unknown.

Rating breakdown

  • Financial Efficiency: 86
  • Transparency & Controls: 63
  • Accountability: 95
  • Sustainability: 41
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 95.8%; rating input score 96
  • Program expense ratio: 99.2%; rating input score 99
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 92.3%; rating input score 92; 12th 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: 92.7%; rating input score 93; 25th percentile among comparable filings
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 77th 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: 2.4%; rating input score 45; 45th percentile among comparable filings
  • Total-asset coverage ratio: 0.34; rating input score 11; 11th percentile among comparable filings
  • Liabilities to assets ratio: 0.31; rating input score 54; 54th percentile among comparable filings
  • Officer compensation ratio: 0.4%; rating input score 86; 86th percentile among comparable filings

Growth

  • Program expense growth: 7.6% per year; rating input score 100; 62nd percentile among comparable filings
  • Revenue growth: 7.7% per year; rating input score 100; 64th percentile among comparable filings
  • Asset growth: 13.4% per year; rating input score 100; 82nd percentile among comparable filings

Details

  • What they do: Mission, programs, and operating context captured from the official website.
  • Where the money goes: 95.8% of revenue deployed · 99.2% of spending went to programs
  • Governance: 5 of 5 board members independent · 8 of 9 filing controls reported
  • Programs: 2 filed program accomplishments · $832.9M in reported program spending
  • Leadership: top reported pay $6.2M · 26 people listed · 0 of 6 pay-setting controls reported
  • Consistency: 33 of 34 current checks pass · 1 finding to review
  • Schedules: 5 filed schedules · includes grants and executive pay
  • Filing history: 13 filing years from 2011 to 2024
  • Contacts: How to reach this organization
  • Money network: 13 filed money-flow records
  • Related organizations: 22 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: Pay-setting controls scored 0/100.
  • High — Sustainability: Total-asset coverage ratio scored 11/100.
  • Moderate — Sustainability: Operating margin scored 45/100.
  • Review — Accountability: Governance controls: Form 990 shared with the board not reported.
  • Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
  • Review — Sustainability: Liabilities to assets ratio scored 54/100.