Delta Dental of Minnesota
Legal name: Stratacor
Nonprofit profile at a glance
- EIN
- 411852523
- IRS 990 coverage
- 2011–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Minneapolis, MN, USA
- Phone
- 6122243276
- Rating
- 83
- Verdict
- STRONG
- Rating confidence
- Moderate
Reported finances
- Revenue
- $1,239,267,986
- Expenses
- $1,225,987,854
- Assets
- $468,613,191
- Liabilities
- $73,540,184
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
27 people listed
Executive titles in this filing
- RODNEY A YOUNG (CHAIR/CEO/PRESIDENT)
Highest reported compensation
- RODNEY A YOUNG (CHAIR/CEO/PRESIDENT): $3,703,644 total reported compensation
- TAMERA K ROBINSON (EVP & CFO): $1,893,506 total reported compensation
- STEPHANIE A ALBERT (EVP & CLO): $1,401,394 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Delta Dental of Minnesota is one of the largest providers of dental benefits in the Upper Midwest, serving over 7,000 Minnesota- and North Dakota-based purchasing groups and 4.5 million members nationwide. Founded in 1969, the company is an independent, nonprofit health service plan corporation. Our Mission:** Promote healthier lives. Our Vision:** Be a leader in customer-centric services, products, and innovations for oral and overall health as well as a beacon of community impact.
What it reported doing in 2024
Stratacor is the parent of delta dental of Minnesota, delta dental of Minnesota foundation, delta dental of Nebraska and health ventures network, each of which are not for profit subsidiaries organized to promote oral health, health and/or access to the same in the communities we serve.
Operating model
- Revenue model
- Earned-program. 99% of the money available for current operations came from fees and other program 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. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.
Rating breakdown
- Financial Efficiency: 87
- Transparency & Controls: 84
- Accountability: 79
- Sustainability: 39
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 97.5%; rating input score 97
- Program expense ratio: 98.7%; rating input score 99
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 93.8%; rating input score 94; 25th 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: Limited
- Grant itemization coverage: 61%; rating input score 61; 12th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Yes; rating input score 100
Accountability
- Independent voting board: 64.3%; 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: 1.1%; rating input score 38; 38th percentile among comparable filings
- Total-asset coverage ratio: 0.38; rating input score 13; 13th percentile among comparable filings
- Liabilities to assets ratio: 0.16; rating input score 75; 75th percentile among comparable filings
- Officer compensation ratio: 0.9%; rating input score 75; 75th percentile among comparable filings
Growth
- Program expense growth: 1.6% per year; rating input score 100; 13th percentile among comparable filings
- Revenue growth: 1.1% per year; rating input score 100; 9th percentile among comparable filings
- Asset growth: 0.5% per year; rating input score 100; 9th percentile among comparable filings
Details
- What they do: Mission, programs, and operating context captured from the official website.
- Where the money goes: 97.5% of revenue deployed · 98.7% of spending went to programs
- Governance: 9 of 14 board members independent · 9 of 9 filing controls reported
- Programs: 1 filed program accomplishment · $1.2B in reported program spending
- Leadership: top reported pay $3.7M · 27 people listed · 5 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $121.3M reported
- Consistency: 37 of 38 current checks pass · 1 finding to review
- Schedules: 6 filed schedules · includes grants, executive pay, and related organizations
- Filing history: 12 filing years from 2011 to 2024
- Contacts: How to reach this organization
- Money network: 45 filed money-flow records
- Related organizations: 25 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.
- Moderate — Sustainability: Operating margin scored 38/100.
- High — Sustainability: Total-asset coverage ratio scored 13/100.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.