Delta Dental of Arkansas
Legal name: Delta Dental Plan of Arkansas Inc
Nonprofit profile at a glance
- EIN
- 710561140
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Little Rock, AR, United States
- Phone
- (800) 462-5410
- Rating
- 78
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
Reported finances
- Revenue
- $234,076,333
- Expenses
- $241,403,912
- Assets
- $184,741,295
- Liabilities
- $27,898,393
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
28 people listed
Executive titles in this filing
- KRISTIN MERLO (PRESIDENT & CEO)
Highest reported compensation
- KRISTIN MERLO (PRESIDENT & CEO): $1,553,397 total reported compensation
- BRADLEY CLOTHIER (EVP & COO): $805,686 total reported compensation
- DEBORAH LOWTHARP (VP, FINANCE/CFO): $504,385 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Promote oral health and vision health in Arkansas and improve public awareness and education on oral and vision health matters. Our Mission To Improve the Oral Health of All Arkansans. At Delta Dental of Arkansas, we understand that so much of having a healthy life depends on having a healthy smile. We work every day to inspire a new level of oral health across the state in two meaningful ways. Delta Dental Mission & Core Values We are the champions of your smile! Our Mission. First, through quality insurance that provides access to one of the largest network of dentists in Arkansas1. We want to ensure our members in both our commercial and Medicaid programs get the right care for themselves and their families. Second, we look to make a difference beyond the walls of our business. Our philanthropic corporate and foundation work benefits and reaches all Arkansans – even those who...
What it reported doing in 2024
Promote the oral health care of the community through group and individual dental insurance contracts and third party dental claims administration.
Operating model
- Revenue model
- Earned-program. 98% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The program-spending lines do not add up, so the filing cannot show reliably whether the nonprofit works directly or through others.
The verdict
SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Program spending has declined or grown slowly and revenue has declined or grown slowly.
Rating breakdown
- Financial Efficiency: 75
- Transparency & Controls: 91
- Accountability: 91
- Sustainability: 29
- Growth: 20
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 85.1%; rating input score 85
- Program expense ratio: 83.2%; rating input score 83
- 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: Missing
- Other Form 990s reviewed: Pass
- 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: Yes; rating input score 100
Accountability
- Independent voting board: 84.6%; rating input score 85; 32nd 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: -3.1%; rating input score 16; 16th percentile among comparable filings
- Total-asset coverage ratio: 0.77; rating input score 30; 30th percentile among comparable filings
- Liabilities to assets ratio: 0.15; rating input score 75; 75th percentile among comparable filings
- Officer compensation ratio: 3.1%; rating input score 36; 36th percentile among comparable filings
Growth
- Program expense growth: -8.1% per year; rating input score 0; 1st percentile among comparable filings
- Revenue growth: -3.7% per year; rating input score 0; 2nd percentile among comparable filings
- Asset growth: 5.3% per year; rating input score 100; 39th percentile among comparable filings
Details
- What they do: 1 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: 85.1% of revenue deployed · 83.2% of spending went to programs
- Governance: 11 of 13 board members independent · 9 of 9 filing controls reported
- Programs: 1 filed program accomplishment · $200.9M in reported program spending
- Leadership: top reported pay $1.6M · 28 people listed · 4 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $50.1M reported
- Consistency: 39 of 39 current checks pass
- Schedules: 6 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: 41 filed money-flow records
- Related organizations: 45 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 — Growth: Program expense growth scored 0/100.
- High — Growth: Revenue growth scored 0/100.
- High — Sustainability: Operating margin scored 16/100.
- Moderate — Sustainability: Total-asset coverage ratio scored 30/100.
- Moderate — Sustainability: Officer compensation ratio scored 36/100.