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Nonprofiteer
← DELTA DENTAL FUND

Form 990 for tax year 2024

Filed by DELTA DENTAL FUND.

Totals

Total revenue
$10,702,008
Total expenses
$7,741,399
Contributions and grants received
$2,675,000
Grants paid
$5,410,895
Program service revenue
$0
Investment income
$8,027,008
Other revenue
$0
Total assets, end of year
$139,209,890
Total liabilities, end of year
$2,780,726
Net assets or fund balances, end of year
$136,429,164
Program services expenses (Part IX)
$7,027,503
Management and general expenses
$713,896
Fundraising expenses
$0
Program service expenses (Part III)
$7,027,503

Program services were 90.8% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Revenue

Part VIII, the statement of revenue.

  • 1d · Related organizations

    $2,675,000

  • 2f · All other program service revenue

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 3 · Investment income

    total $3,927,343 · excluded $3,927,343

  • 6c · Rental income or loss

    real property $0 · personal property $0

  • 7a · Gross sales of assets other than inventory

    securities $37,360,142

  • 7b · Less cost or other basis and sales expenses

    securities $33,260,477

  • 7c · Gain or loss

    securities $4,099,665 · other assets $0

  • 7d · Net gain or loss

    total $4,099,665 · excluded $4,099,665

  • 11d · All other revenue

    total $0 · related or exempt $0 · unrelated business $0 · excluded $0

  • 11e · Other revenue, total

    $0

Functional expenses

Part IX, the statement of functional expenses.

  • 1 · Grants to domestic organizations and governments

    total $4,888,302 · program services $4,888,302

  • 2 · Grants to domestic individuals

    total $522,593 · program services $522,593

  • 5 · Compensation of officers, directors and key employees

    total $17,500 · program services $11,375 · management and general $6,125

  • 11a · Fees: management

    total $1,402,977 · program services $1,343,769 · management and general $59,208

  • 11c · Fees: accounting

    total $29,515 · management and general $29,515

  • 11f · Fees: investment management

    total $498,913 · management and general $498,913

  • 11g · Fees: other

    total $0 · program services $0 · management and general $0 · fundraising $0

  • 12 · Advertising and promotion

    total $139,803 · program services $139,803

  • 13 · Office expenses

    total $12,978 · program services $1,705 · management and general $11,273

  • 14 · Information technology

    total $50,250 · management and general $50,250

  • 17 · Travel

    total $26,519 · management and general $26,519

  • 23 · Insurance

    total $32,093 · management and general $32,093

  • 24a · Other expenses: DENTAL EDUCATION SEMINARS

    total $119,956 · program services $119,956

  • 24e · All other expenses

    total $0 · program services $0 · management and general $0 · fundraising $0

Balance sheet

Part X, book values.

  • 1 · Cash, non-interest-bearing

    beginning of year $563,885 · end of year $491,350

  • 2 · Savings and temporary cash investments

    beginning of year $5,902,391 · end of year $2,066,398

  • 3 · Pledges and grants receivable

    beginning of year $0 · end of year $0

  • 4 · Accounts receivable

    beginning of year $0 · end of year $0

  • 5 · Loans and receivables from officers and key people

    beginning of year $0 · end of year $0

  • 6 · Loans and receivables from disqualified persons

    beginning of year $0 · end of year $0

  • 7 · Other notes and loans receivable

    beginning of year $0 · end of year $0

  • 8 · Inventories for sale or use

    beginning of year $0 · end of year $0

  • 9 · Prepaid expenses and deferred charges

    beginning of year $0 · end of year $0

  • 10a · Land, buildings and equipment: cost or other basis

    $0

  • 10b · Land, buildings and equipment: accumulated depreciation

    $0

  • 10c · Land, buildings and equipment, net

    beginning of year $0 · end of year $0

  • 11 · Investments: publicly traded securities

    beginning of year $120,139,980 · end of year $136,301,252

  • 12 · Investments: other securities

    beginning of year $0

  • 13 · Investments: program-related

    beginning of year $215,568 · end of year $350,890

  • 14 · Intangible assets

    beginning of year $0 · end of year $0

  • 15 · Other assets

    beginning of year $0 · end of year $0

  • 17 · Accounts payable and accrued expenses

    beginning of year $3,315,176 · end of year $2,180,025

  • 18 · Grants payable

    beginning of year $0 · end of year $0

  • 19 · Deferred revenue

    beginning of year $0 · end of year $0

  • 20 · Tax-exempt bond liabilities

    beginning of year $0 · end of year $0

  • 21 · Escrow or custodial account liability

    beginning of year $0 · end of year $0

  • 22 · Loans and payables to officers and key people

    beginning of year $0 · end of year $0

  • 23 · Secured mortgages and notes payable

    beginning of year $0 · end of year $0

  • 24 · Unsecured notes and loans payable

    beginning of year $0 · end of year $0

  • 25 · Other liabilities

    beginning of year $624,069 · end of year $600,701

  • 27 · Net assets without donor restrictions

    beginning of year $119,791,293 · end of year $133,596,060

  • 28 · Net assets with donor restrictions

    beginning of year $3,091,286 · end of year $2,833,104

  • 29 · Capital stock, trust principal or current funds

    beginning of year $0

  • 30 · Paid-in or capital surplus, or land, building or equipment fund

    beginning of year $0

  • 31 · Retained earnings, endowment or other funds

    beginning of year $0

Mission and programs · 2024

Mission

DELTA DENTAL FUND'S MISSION IS TO IMPROVE THE ORAL HEALTH OF THE PUBLIC AND TO ADVANCE DENTAL SCIENCE AND THE DENTAL PROFESSION THROUGH RESEARCH AND EDUCATION.

  • The Delta Dental Fund's (DDF) mission is to develop and enhance partnerships and programs to improve oral and overall health. The DDF has been committed to this purpose for over four decades. Over that time, millions of people have benefited from grants, programming, scholarships and continuing education programs provided by the DDF. Since it was established in 1980, the DDF has continually increased its efforts to achieve these goals in Michigan, Ohio, Indiana and North Carolina. In 2024, the DDF committed nearly $6.1 million in grants, scholarships, and educational resources, impacting more than 4.3 million lives in Michigan, Ohio, Indiana North Carolina and beyond. More than 354,000 educational brochures, flyers and posters, along with 351 miles of floss and 282,554 toothbrushes were donated to nonprofit organizations to disseminate in their communities. The DDF also began implementing a new strategic plan, which focuses on five strategic pillars-access to care, advocacy, education, emerging initiatives, and workforce development. Throughout the year, 72% of the programs funded most closely aligned with access to care, 15% with education, 11% with workforce development and 2% with advocacy and emerging initiatives. At the end of the day, access to care initiatives make up the majority of the requests. Tens of thousands of people need help getting dental care, and many safety-net clinics need training and equipment to offer those services. With one in twenty Americans living with an intellectual or developmental disability, oral health equity cannot be achieved until their needs are met. Through the DDF's Centers for Inclusive Dentistry program, 78 individuals at 12 safety-net dental clinics have been provided with the training and resources necessary to deliver high-quality dental treatment to people with disabilities. The DDF has partnered with NYU and Nisonger Center at Ohio State University to offer the training free of charge. Free virtual continuing education credits are also available to providers through Penn Dental as a result of DDF funding. In 2024, 50 nonprofit organizations received Community Mini-Grants, totaling $300,000. The DDF's Community Mini-grant Program provides grants of $10,000 or less to nonprofits that promote or provide oral health care and initiatives that align with the foundation's five strategic pillars. The DDF continued its support of the Victors for Veterans program with the University of Michigan School of Dentistry. The program provides free, comprehensive dental care to qualifying veterans, performed by third- and fourth-year dental interns, who gain valuable learning opportunities in community health settings. They also provide oral hygiene education to their patients. Through a partnership with TeamSmile, hundreds of children in Fort Wayne, Indianapolis, Cleveland and Detroit were provided with free dental care and oral health education. The events were held at professional sports stadiums and staffed by volunteer dental professionals. At the end of the day, when the events were done and the volunteers had gone home, the TeamSmile staff continued to find dental homes for the children who needed it. The dental workforce is experiencing an unprecedented staffing shortage, particularly with hygienists. In 2024, the DDF partnered with the American Dental Hygienists Association (ADHA) to create Hygienists Inspired, a chairside recruitment program. The program is designed to diversify and strengthen the hygiene profession by providing resources for practicing hygienists to recruit through meaningful chairside interactions with patients. The DDF and ADHA have identified at least three individuals in Michigan, Ohio and Indiana to serve as ambassadors to promote the profession. In conjunction with the Michigan Primary Care Association, the DDF convened oral health advocates from around the state of Michigan to hold its Third Annual Workforce Development Summit. Professional facilitators guided the discussion about strengthening the oral health safety net in Michigan. This initiative also convened throughout the year in sub-committees to continue focused development related to recruitment, career pathways, and workforce retention and environment. With grant funding from the DDF, the Institute for Exceptional Care formed an advisory committee composed of intellectual and developmental disabilities (IDD) advocates, clinical educational experts and oral health professionals to determine how best to improve dental care delivery for patients with IDD. Collectively, the group will develop a dental-office toolkit to support pre-appointment preparation for patients with IDD. The DDF continued its longstanding partnership with the Michigan Department of Health and Human Services by providing funding for the SEAL Michigan school-based sealant and Community Water Fluoridation programs. Support was also renewed for the Ohio Department of Health's Fluoridation Assistance program. The DDF's total grants have now exceeded $68 million since its inception. This funding has improved oral and overall health and health equity, helped students achieve their goals, and improved the well-being of millions of children and adults in Michigan, Ohio, Indiana and North Carolina. Empowered people and communities are critical to making creative solutions to systemic challenges possible-and that means supporting work by and for the communities being served. The DDF is committed to continuing and establishing strong two-way relationships with the people and organizations aligned with its aims.

    Expenses $7,027,503 · Grants $5,410,895

As filed on the 2024 return.

Listed in Part VII

  • Faiyaz N Syed MD MPH

    VICE CHAIR

    Total calculated
    $2,000
    From this org
    $2,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Goran M Jurkovic CPA

    PRESIDENT & BOARD TRUSTEE

    Total calculated
    $12,173,362
    From this org
    $0
    From related orgs
    $9,457,582
    Other
    $2,715,780
    Hours/week
    1 + 49 related

    Schedule J breakdown matched by us

    Base
    $0 + $1,511,908 related
    Bonus
    $0 + $3,756,580 related
    Other
    $0 + $4,189,094 related
    Deferred
    $0 + $2,688,539 related
    Nontaxable benefits
    $0 + $27,241 related
    Filer's total
    $0 + $12,173,362 related

  • Kelly Jubb Scheiderer Rhia Mha

    CHAIR

    Total calculated
    $41,581
    From this org
    $2,500
    From related orgs
    $39,081
    Other
    $0
    Hours/week
    1 + 10 related

  • Anthony O Williams JD

    TRUSTEE

    Total calculated
    $61,500
    From this org
    $1,500
    From related orgs
    $60,000
    Other
    $0
    Hours/week
    1 + 5 related

  • Carole Simonetti Watkins

    TRUSTEE

    Total calculated
    $71,992
    From this org
    $1,000
    From related orgs
    $70,992
    Other
    $0
    Hours/week
    1 + 10 related

  • Elaine Loyack

    TRUSTEE

    Total calculated
    $255,320
    From this org
    $0
    From related orgs
    $213,881
    Other
    $41,439
    Hours/week
    1 + 40 related

    Schedule J breakdown matched by us

    Base
    $0 + $182,938 related
    Bonus
    $0 + $28,800 related
    Other
    $0 + $2,143 related
    Deferred
    $0 + $8,837 related
    Nontaxable benefits
    $0 + $32,602 related
    Filer's total
    $0 + $255,320 related

  • John A Breza DDS

    TRUSTEE

    Total calculated
    $500
    From this org
    $500
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Joseph C Harris DDS

    TRUSTEE

    Total calculated
    $109,227
    From this org
    $500
    From related orgs
    $108,727
    Other
    $0
    Hours/week
    1 + 5 related

  • Larry Degroat DDS

    TRUSTEE

    Total calculated
    $61,500
    From this org
    $1,500
    From related orgs
    $60,000
    Other
    $0
    Hours/week
    1 + 5 related

  • Raymond Fred Gist DDS

    TRUSTEE

    Total calculated
    $62,000
    From this org
    $2,000
    From related orgs
    $60,000
    Other
    $0
    Hours/week
    1 + 5 related

  • Stephen A Eklund DDS Mhsa Drph

    TRUSTEE

    Total calculated
    $51,581
    From this org
    $2,000
    From related orgs
    $49,581
    Other
    $0
    Hours/week
    1 + 10 related

  • Suncica Travan DDS Ms

    TRUSTEE

    Total calculated
    $62,000
    From this org
    $2,000
    From related orgs
    $60,000
    Other
    $0
    Hours/week
    1 + 5 related

  • Vinod Miryala Bds MPH Cags DDS

    TRUSTEE

    Total calculated
    $2,000
    From this org
    $2,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Amy L Basel CPA

    CHIEF FINANCIAL OFFICER

    Total calculated
    $3,169,998
    From this org
    $0
    From related orgs
    $2,481,908
    Other
    $688,090
    Hours/week
    1 + 49 related

    Schedule J breakdown matched by us

    Base
    $0 + $552,581 related
    Bonus
    $0 + $968,814 related
    Other
    $0 + $960,513 related
    Deferred
    $0 + $660,849 related
    Nontaxable benefits
    $0 + $27,241 related
    Filer's total
    $0 + $3,169,998 related

  • Dr Holli Seabury

    EXECUTIVE DIRECTOR

    Total calculated
    $458,910
    From this org
    $0
    From related orgs
    $366,545
    Other
    $92,365
    Hours/week
    10 + 40 related

    Schedule J breakdown matched by us

    Base
    $0 + $355,986 related
    Bonus
    $0
    Other
    $0 + $10,559 related
    Deferred
    $0 + $65,124 related
    Nontaxable benefits
    $0 + $27,241 related
    Filer's total
    $0 + $458,910 related

  • Erin Duling CPA

    TREASURER

    Total calculated
    $338,000
    From this org
    $0
    From related orgs
    $274,354
    Other
    $63,646
    Hours/week
    1 + 49 related

    Schedule J breakdown matched by us

    Base
    $0 + $202,132 related
    Bonus
    $0 + $71,794 related
    Other
    $0 + $428 related
    Deferred
    $0 + $36,405 related
    Nontaxable benefits
    $0 + $27,241 related
    Filer's total
    $0 + $338,000 related

  • Jordan G Leaming

    SECRETARY

    Total calculated
    $273,999
    From this org
    $0
    From related orgs
    $236,314
    Other
    $37,685
    Hours/week
    1 + 49 related

    Schedule J breakdown matched by us

    Base
    $0 + $153,653 related
    Bonus
    $0 + $72,993 related
    Other
    $0 + $9,668 related
    Deferred
    $0 + $14,253 related
    Nontaxable benefits
    $0 + $23,432 related
    Filer's total
    $0 + $273,999 related

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Answered yes

  • 1a · First-class or charter travel
  • 1b · Written policy on the line-1a expenses
  • 2 · Substantiation required before reimbursing expenses
  • 4b · Supplemental nonqualified retirement plan

Answered no

  • 4a · Severance or change-of-control payment
  • 4c · Equity-based compensation arrangement
  • 5a · Pay contingent on this organization's revenues
  • 5b · Pay contingent on a related organization's revenues
  • 6a · Pay contingent on this organization's net earnings
  • 6b · Pay contingent on a related organization's net earnings
  • 7 · Other non-fixed payments
  • 8 · Paid under the initial-contract exception

The filer's explanations (Part III)

Schedule J, Part I, Line 1a First-class or charter travel
First class travel for business purposes is available to the Executive Director. This amount is treated as nontaxable to this individual.
Schedule J, Part I, Line 4b Supplemental nonqualified retirement plan
THE RELATED ORGANIZATION, DELTA DENTAL PLAN OF MICHIGAN, HAS A SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN (SERP). IN ORDER TO BE ELIGIBLE FOR THE SERP, AN EMPLOYEE MUST BE A SENIOR EXECUTIVE AND ADDED TO THE PLAN BY THE BOARD OF DIRECTORS. THE SERP BENEFITS ARE REVIEWED AS PART OF THE TOTAL COMPENSATION BY AN INDEPENDENT CONSULTANT; TOWERS WATSON. IN 2024, GORAN JURKOVIC AND AMY BASEL ACCRUED BENEFITS AS PARTICIPANTS IN THE SERP PLAN. GORAN JURKOVIC AND AMY BASEL BECAME VESTED IN A PORTION OF THEIR ACCRUED BENEFITS AND, AS REQUIRED BY THE IRS, THE VESTED PORTION WAS TREATED AS TAXABLE WAGES DURING 2024. THESE WAGES WERE ALSO REPORTED ON SCHEDULE J AS COMPENSATION THAT HAS BEEN REPORTED AS DEFFERED ON PRIOR FORM 990S.
Schedule J, Part I, Line 3
THE CEO AND EXECUTIVE DIRECTOR ARE W-2 EMPLOYEES OF A RELATED ORGANIZATION, DELTA DENTAL PLAN OF MICHIGAN, INC. COMPENSATION OF THE CEO IS DETERMINED BY THAT ENTITY. THE DELTA DENTAL PLAN OF MICHIGAN, INC. COMPENSATION COMMITTEE REVIEWS PERFORMANCE AND SETS TOTAL COMPENSATION. EVERY TWO YEARS, A STUDY IS PERFORMED BY TOWERS WATSON AND THE DATA IS USED IN COMPENSATION DECISIONS. THE INDEPENDENT CONSULTANT PROVIDES AN OPINION AS TO THE REASONABLENESS AND APPROPRIATENESS OF THE TOTAL COMPENSATION, INCLUDING BASE PAY, INCENTIVE, BENEFITS AND RETIREMENT BENEFITS.

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

The 10 largest by cash amount. The API serves every itemized grant.

Related organizations on this return

Schedule R Part II: tax-exempt organizations related to the filer by control. It does not record shared board members or money.

Taxable family on this return

Schedule R Parts I, III and IV, as filed. These record ownership and control, not shared board members or money moved.

Related partnerships

Part III: related organizations taxable as a partnership, with the filer's share.

  • RED CEDAR INVESTMENT MANAGEMENT LLC

    N/A · CAPITAL MANAGEMENT · MI

    Directly controlled by NA

  • T4G MANAGEMENT LLC

    N/A · FINANCIAL PLANNING · MI

    Directly controlled by NA

  • T4G FINANCIAL SERVICES LLC

    N/A · FINANCIAL PLANNING · MI

    Directly controlled by NA

  • ARCIS FUND I LLC

    N/A · INVESTMENTS · MI

    Directly controlled by NA

  • SYLVASON LLC DBA DENT-WELL

    N/A · DENTAL CARE · TX

    Directly controlled by NA

Related corporations and trusts

Part IV: related organizations taxable as a corporation or trust.

  • RENAISSANCE HOLDING COMPANY

    C Corporation · HOLDING COMPANY · MI

    Directly controlled by NA

  • RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA

    C Corporation · INSURANCE · IN

    Directly controlled by NA

  • RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF NEW YORK

    C Corporation · INSURANCE · NY

    Directly controlled by NA

  • FORE HOLDING CORPORATION

    C Corporation · HOLDING COMPANY · TN

    Directly controlled by NA

  • DENTAL CHOICE INC

    C Corporation · PROVIDES DENTAL SERVICE PLANS · KY

    Directly controlled by NA

  • DENTAL CHOICE AGENCY INC

    C Corporation · PRIMARY GENERAL AGENCY FOR DDKY AND DENTAL CHOICE · KY

    Directly controlled by NA

  • OMEGA ADMINISTRATORS INC

    C Corporation · PROVIDE THIRD-PARTY ADMINISTRATIVE SERVICES · AR

    Directly controlled by NA

  • THE 4100 GROUP

    C Corporation · INVESTMENT IN SUBSIDIARIES · MI

    Directly controlled by NA

  • DENTAL CHOICE ANCILLARY INC

    C Corporation · PROVIDE DENTAL SERVICES PLANS · KY

    Directly controlled by NA

  • ANCILLARY CHOICE LIFE INC

    C Corporation · INSURANCE · KY

    Directly controlled by NA

  • DYNTL INC

    C Corporation · DENTAL SERVICE · TN

    Directly controlled by NA

  • JOYN HEALTH INC

    C Corporation · DENTAL SERVICE · MI

    Directly controlled by NA

Provenance

Return type
form_990
Tax year
2024
Filed
13 November 2025
IRS schema version
2024v5.1
Source object
202533179349310138

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