Delta Dental
Legal name: Delta Dental of Pennsylvania
Nonprofit profile at a glance
- EIN
- 231667011
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Camp Hill, PA, USA
- Phone
- 888-706-0413
- Rating
- 77
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
- Sector
- Insurance Providers
Reported finances
- Revenue
- $901,969,533
- Expenses
- $895,009,631
- Assets
- $468,023,070
- Liabilities
- $142,137,103
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
28 people listed
Executive titles in this filing
- CHAVARRIA SARAH M (CEO AND PRESIDENT)
- CLARKE JAMIE (VICE PRESIDENT NETWORK DEVELOPMENT)
- 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. We're committed to providing an extraordinary level of support and expertise for all your dental care needs. Complete the following steps to quickly and easily contact our offices. Step 1 -** Tell us about yourself.* Select One I purchased my own dental plan I receive my dental plan via my employer I receive my DeltaVision plan via my employer I administer a large group plan (> 100 employees) I'm a small business employer or administrator I'm a broker I'm a dentist Step 2 -** Where are you located?* Select One Alabama California Delaware District of Columbia Florida Georgia Louisiana Mississippi Montana Nevada New York Pennsylvania (and Maryland) Texas Utah West Virginia.
What it reported doing in 2024
The organization provided dental benefit coverage for 2,744,576 beneficiaries in 2024, primarily through contracts with independent dentists. Serving 1,919 purchasing groups. The organization paid more than $784.3 million for dental care during 2024.
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 89% 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. Few specific pay-setting methods are documented in the filing; unanswered boxes are not proof of absence and expenses are high relative to revenue.
Rating breakdown
- Financial Efficiency: 86
- Transparency & Controls: 65
- Accountability: 83
- Sustainability: 38
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 96.4%; rating input score 96
- Program expense ratio: 98.6%; rating input score 99
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 93.3%; rating input score 93; 21st 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: 97.8%; rating input score 98; 33rd percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 77.8%; rating input score 78; 26th 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: 0.8%; rating input score 36; 36th percentile among comparable filings
- Total-asset coverage ratio: 0.52; rating input score 19; 19th percentile among comparable filings
- Liabilities to assets ratio: 0.3; rating input score 55; 55th percentile among comparable filings
- Officer compensation ratio: 0.8%; rating input score 78; 78th percentile among comparable filings
Growth
- Program expense growth: 4% per year; rating input score 100; 31st percentile among comparable filings
- Revenue growth: 3.9% per year; rating input score 100; 31st percentile among comparable filings
- Asset growth: 10.3% per year; rating input score 100; 71st percentile among comparable filings
Details
- What they do: 1 operating location identified
- Where the money goes: 96.4% of revenue deployed · 98.6% of spending went to programs
- Governance: 7 of 9 board members independent · 8 of 9 filing controls reported
- Programs: 2 filed program accomplishments · $882.8M in reported program spending
- Leadership: top reported pay $6.2M · 28 people listed · 0 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $6.2M reported
- Consistency: 36 of 37 current checks pass · 1 finding to review
- Schedules: 6 filed schedules · includes grants and executive pay
- Filing history: 14 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 24 filed money-flow records
- Related organizations: 27 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.
- Moderate — Sustainability: Operating margin scored 36/100.
- High — Sustainability: Total-asset coverage ratio scored 19/100.
- 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 55/100.