Delta Dental of North Carolina
Nonprofit profile at a glance
- EIN
- 561018068
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Raleigh, NC, USA
- Phone
- 8005879514
- Rating
- 86
- Verdict
- STRONG
- Rating confidence
- Moderate
Reported finances
- Revenue
- $172,317,001
- Expenses
- $170,868,367
- Assets
- $49,118,988
- Liabilities
- $20,513,514
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
18 people listed
Executive titles in this filing
- CURT R LADIG (PRESIDENT & CEO)
Highest reported compensation
- AMY L BASEL CPA (CHIEF FINANCIAL OFFICER): $3,169,998 total reported compensation
- CURT R LADIG (PRESIDENT & CEO): $1,325,503 total reported compensation
- DEBORAH JONES (SVP & CHIEF SALES OFFICER): $407,798 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Improve oral health and the overall well-being of the communities we serve through high-quality, affordable dental benefits plans and community outreach. Our mission, vision and values are at the heart of what we do every day to improve the oral health and the overall well-being of the communities we serve. Our Vision, Mission and Values Service, Integrity, Healthy Smiles, Diversity and Having Fun! Delta Dental of North Carolina is one of the largest providers of dental benefits in the state. With over 153,000 providers in our dental network nationwide, we focus on what truly matters – serving North Carolina communities with high-quality, affordable dental benefits plans and easy access to oral care. Delta Dental of North Carolina is a member of the Delta Dental Plans Association, America’s largest and most experienced dental benefits system. Members of the Delta Dental Plans...
What it reported doing in 2024
Promoting dental care: delta dental of North Carolina is a leading group dental benefits provider. The purpose of the organization is to advance and promote the improvement of oral health. This is done by offering innovative, cost-effective products that meet the needs of customers. This was demonstrated in 2024 by paying out over $131 million in claims and by providing dental benefits for the public and advancing the science of dentistry. In addition, over 2 million claims were processed for over 1.1 million members. Cost saving strategies: delta dental benefit plans are committed to saving groups and members money. The delta difference is an integration of activities such as cost management policies, fee reduction agreements with dentists, and anti-fraud programs, all of which ensure quality, cost-effective dental benefit delivery. Commitment to the community: the delta dental fund, the company's philanthropic affiliate, encourages advances in dentistry and supports dental education and research. In 2024, delta dental fund contributed over $332,000 to organizations in North Carolina to support these causes. Unequaled access to dentists: for five decades, delta dental has helped promote oral health by designing and administering innovative, cost-effective dental benefit programs. Experts at plan design, delta dental has created dental benefit programs that meet customer cost-objectives while helping to improve and maintain oral health. Our long standing relationships with providers in the communities we serve allow us to maintain large networks, allowing broad access for members and cost-effective care. Delta dental's group members are afforded added protection because they guarantee that participating dentists will accept their payment for covered services and no charge, other than co-payments and deductibles are billed back to the member. This lowers claim costs for customers and reduces out-of-pocket costs for subscribers. With two networks of full-time participating dentists in one integrated claims system, delta dental can deliver to customers and group members broad access to care.
Operating model
- Revenue model
- Other-operating. 99% of the money available for current operations came from other operating revenue.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Some related-organization disclosures are missing and expenses are high relative to revenue.
Rating breakdown
- Financial Efficiency: 84
- Transparency & Controls: 86
- Accountability: 100
- Sustainability: 30
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 93.6%; rating input score 94
- Program expense ratio: 94.1%; rating input score 94
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 68th percentile among comparable filings
- Pay-setting controls: 4 of 6 controls in place; rating input score 67
- Compensation committee: Pass
- Independent consultant: Pass
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 100%; rating input score 100; 77th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Scored; rating input score 0
Accountability
- Independent voting board: 100%; rating input score 100; 77th 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: 0.8%; rating input score 36; 36th percentile among comparable filings
- Total-asset coverage ratio: 0.29; rating input score 9; 9th percentile among comparable filings
- Liabilities to assets ratio: 0.42; rating input score 43; 43rd percentile among comparable filings
- Officer compensation ratio: 2.7%; rating input score 43; 43rd percentile among comparable filings
Growth
- Program expense growth: 5.1% per year; rating input score 100; 41st percentile among comparable filings
- Revenue growth: 8.4% per year; rating input score 100; 70th percentile among comparable filings
- Asset growth: 10.9% per year; rating input score 100; 74th percentile among comparable filings
Details
- What they do: 1 operating location identified
- Where the money goes: 93.6% of revenue deployed · 94.1% of spending went to programs
- Governance: 9 of 9 board members independent · 9 of 9 filing controls reported
- Programs: 1 filed program accomplishment · $160.8M in reported program spending
- Leadership: top reported pay $3.2M · 18 people listed · 4 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $4M reported
- Consistency: 37 of 37 current checks pass
- Schedules: 5 filed schedules · includes grants, executive pay, and related organizations
- Filing history: 14 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 20 filed money-flow records
- Related organizations: 34 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.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Transparency & Controls: Related-party transparency scored 0/100.
- Moderate — Sustainability: Operating margin scored 36/100.
- High — Sustainability: Total-asset coverage ratio scored 9/100.
- Moderate — Sustainability: Liabilities to assets ratio scored 43/100.
- Moderate — Sustainability: Officer compensation ratio scored 43/100.