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Nonprofiteer
← DELTA DENTAL OF TENNESSEE

Form 990 for tax year 2024

Filed by DELTA DENTAL OF TENNESSEE.

Totals

Total revenue
$261,606,699
Total expenses
$253,631,336
Contributions and grants received
$0
Grants paid
$1,404,598
Program service revenue
$258,281,933
Investment income
$3,306,598
Other revenue
$18,168
Total assets, end of year
$119,596,787
Total liabilities, end of year
$25,366,734
Net assets or fund balances, end of year
$94,230,053
Program services expenses (Part IX)
$241,939,683
Management and general expenses
$11,691,653
Fundraising expenses
$0
Program service expenses (Part III)
$241,939,683

Program services were 95.4% 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.

  • 2a · Program service revenue: DENTAL CARE REVENUE

    total $250,610,259 · related or exempt $250,610,259

  • 2b · Program service revenue: VISION INSURANCE REVENUE

    total $7,671,674 · unrelated business $7,671,674

  • 2f · All other program service revenue

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

  • 3 · Investment income

    total $3,065,444 · excluded $3,065,444

  • 6c · Rental income or loss

    real property $0 · personal property $0

  • 7a · Gross sales of assets other than inventory

    securities $8,239,057 · other assets $47,100

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

    securities $8,037,441 · other assets $7,562

  • 7c · Gain or loss

    securities $201,616 · other assets $39,538

  • 7d · Net gain or loss

    total $241,154 · excluded $241,154

  • 8c · Net income from fundraising events

    total $0

  • 11a · Other revenue: Other

    total $18,168 · related or exempt $18,168

  • 11d · All other revenue

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

  • 11e · Other revenue, total

    $18,168

Functional expenses

Part IX, the statement of functional expenses.

  • 1 · Grants to domestic organizations and governments

    total $1,404,598 · program services $1,404,598

  • 4 · Benefits paid to or for members

    total $206,753,013 · program services $206,753,013

  • 5 · Compensation of officers, directors and key employees

    total $4,606,542 · program services $2,251,336 · management and general $2,355,206

  • 7 · Other salaries and wages

    total $5,894,116 · program services $2,813,085 · management and general $3,081,031

  • 8 · Pension plan contributions

    total $686,372 · program services $292,447 · management and general $393,925

  • 9 · Other employee benefits

    total $1,310,484 · program services $809,063 · management and general $501,421

  • 10 · Payroll taxes

    total $593,605 · program services $332,416 · management and general $261,189

  • 11b · Fees: legal

    total $46,644 · management and general $46,644

  • 11c · Fees: accounting

    total $91,500 · program services $54,900 · management and general $36,600

  • 11f · Fees: investment management

    total $97,460 · management and general $97,460

  • 11g · Fees: other

    total $2,854,870 · program services $2,437,509 · management and general $417,361 · fundraising $0

  • 12 · Advertising and promotion

    total $2,437,213 · program services $1,220,898 · management and general $1,216,315

  • 13 · Office expenses

    total $2,817,591 · program services $1,714,038 · management and general $1,103,553

  • 16 · Occupancy

    total $616,600 · program services $322,999 · management and general $293,601

  • 17 · Travel

    total $629,679 · program services $179,641 · management and general $450,038

  • 19 · Conferences, conventions and meetings

    total $394,100 · management and general $394,100

  • 22 · Depreciation, depletion and amortization

    total $276,901 · program services $144,504 · management and general $132,397

  • 23 · Insurance

    total $141,810 · program services $11,042 · management and general $130,768

  • 24a · Other expenses: COMMISSIONS

    total $9,432,939 · program services $9,405,244 · management and general $27,695

  • 24b · Other expenses: CLAIMS PROCESSING

    total $6,918,228 · program services $6,903,062 · management and general $15,166

  • 24c · Other expenses: STATE PREMIUM TAX

    total $4,268,597 · program services $4,268,597

  • 24d · Other expenses: FEDERAL TAX EXPENSE

    total $195,254 · management and general $195,254

  • 24e · All other expenses

    total $1,163,220 · program services $621,291 · management and general $541,929 · fundraising $0

Balance sheet

Part X, book values.

  • 2 · Savings and temporary cash investments

    beginning of year $11,865,756 · end of year $10,087,733

  • 4 · Accounts receivable

    beginning of year $6,714,290 · end of year $10,210,370

  • 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

  • 9 · Prepaid expenses and deferred charges

    beginning of year $589,351 · end of year $3,825,836

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

    $11,825,614

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

    $7,371,179

  • 10c · Land, buildings and equipment, net

    beginning of year $3,146,546 · end of year $4,454,435

  • 11 · Investments: publicly traded securities

    beginning of year $71,741,520 · end of year $73,443,800

  • 12 · Investments: other securities

    beginning of year $16,900,577 · end of year $16,041,962

  • 13 · Investments: program-related

    beginning of year $0

  • 15 · Other assets

    beginning of year $1,041,036 · end of year $1,532,651

  • 17 · Accounts payable and accrued expenses

    beginning of year $23,687,038 · end of year $22,685,231

  • 22 · Loans and payables to officers and key people

    beginning of year $0 · end of year $0

  • 25 · Other liabilities

    beginning of year $2,412,835 · end of year $2,681,503

  • 29 · Capital stock, trust principal or current funds

    beginning of year $0 · end of year $0

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

    beginning of year $0 · end of year $0

  • 31 · Retained earnings, endowment or other funds

    beginning of year $85,899,203 · end of year $94,230,053

Mission and programs · 2024

Mission

OUR MISSION IS ENSURING HEALTHY SMILES. DELTA DENTAL OF TENNESSEE BELIEVES EVERYONE DESERVES GOOD HEALTH. OUR AIM IS TO IMPROVE THE OVERALL WELLNESS OF OUR COMMUNITIES THROUGH OUR PRODUCTS, ADVOCACY, EDUCATION, AND PHILANTHROPY.

  • THE PRIMARY PURPOSE OF DELTA DENTAL OF TENNESSEE IS TO PROVIDE PROFESSIONAL DENTAL SERVICES UNDER WRITTEN CONTRACTS WHICH ENTITLE THE SUBSCRIBERS TO REIMBURSEMENT FOR COVERED SERVICES PROVIDED BY LICENSED DENTISTS, PRIMARILY IN THE STATE OF TENNESSEE. BOTH LOCAL AND NATIONAL CONTRACTS ARE ADMINISTERED, WHICH HAVE THE KEY FEATURE OF GIVING SUBSCRIBERS ACCESS TO THE LOCAL PROVIDER NETWORKS MAINTAINED BY DELTA DENTAL OF TENNESSEE, AS WELL AS THE NATIONAL PROVIDER NETWORKS OF THE DELTA DENTAL SYSTEM UNDER THE DELTA USA PROGRAM. THE COMPANY MAKES UNCONDITIONAL PROMISES TO GIVE, TO BOTH ITS FOUNDATION AND VARIOUS OTHER ORGANIZATIONS, WHICH SUPPORT EDUCATIONAL AND RESEARCH PROGRAMS FOR THE ADVANCEMENT OF DENTAL SCIENCE AND TO PROMOTE THE ORAL HEALTH OF THE PUBLIC THROUGH EDUCATIONAL AND SERVICE ACTIVITIES. DELTA DENTAL OF TENNESSEE ASSISTED CLINICS THAT PRIMARILY SERVE THE WORKING POOR AND FUNDED AMBULATORY SURGERY CENTERS TO ALLOW INPATIENT ORAL HEALTH CARE. AT THE EDUCATION LEVEL, THE COMPANY ASSISTED DENTAL SCHOOLS IN ORDER TO KEEP THEIR FACILITIES AND TEACHING EQUIPMENT UP TO DATE AND FUNDED DENTAL SCHOLARSHIPS TO 3RD AND 4TH YEAR DENTAL STUDENTS.

    Expenses $241,939,683 · Grants $1,404,598 · Revenue $250,628,427

As filed on the 2024 return.

Listed in Part VII

  • Bradley Lampley

    SECOND VICE CHAIR

    Total calculated
    $26,563
    From this org
    $26,563
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Dr Paul Bacon

    CHAIRMAN

    Total calculated
    $28,937
    From this org
    $28,937
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Jean Evette White

    VICE CHAIR

    Total calculated
    $23,353
    From this org
    $23,353
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Martin D Robinson

    IMMEDIATE PAST CHAIR

    Total calculated
    $50,248
    From this org
    $25,252
    From related orgs
    $24,996
    Other
    $0
    Hours/week
    1 + 5 related

  • Christopher Holmes

    DIRECTOR

    Total calculated
    $20,853
    From this org
    $20,853
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Dr Fredrick Guthrie Jr

    DIRECTOR

    Total calculated
    $20,937
    From this org
    $20,937
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Dr Jay Sheats II

    DIRECTOR

    Total calculated
    $22,142
    From this org
    $22,142
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Janet Miller

    DIRECTOR

    Total calculated
    $21,338
    From this org
    $21,338
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Jeremy Park

    DIRECTOR

    Total calculated
    $20,235
    From this org
    $18,735
    From related orgs
    $1,500
    Other
    $0
    Hours/week
    1 + 1 related

  • Jerome Melson

    DIRECTOR

    Total calculated
    $24,000
    From this org
    $24,000
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • Amanda Conyer

    VP, QMI

    Total calculated
    $220,619
    From this org
    $187,236
    From related orgs
    $0
    Other
    $33,383
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $132,375
    Bonus
    $54,220
    Other
    $641
    Deferred
    $19,817
    Nontaxable benefits
    $13,566
    Filer's total
    $220,619

  • David Crenshaw

    CHIEF STRATEGY OFFICER

    Total calculated
    $341,728
    From this org
    $308,320
    From related orgs
    $0
    Other
    $33,408
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $254,636
    Bonus
    $39,446
    Other
    $14,238
    Deferred
    $10,929
    Nontaxable benefits
    $22,479
    Filer's total
    $341,728

  • Jeffrey A Newton

    SENIOR VP AUDIT & FINANCE

    Total calculated
    $379,480
    From this org
    $297,025
    From related orgs
    $0
    Other
    $82,455
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $211,282
    Bonus
    $85,037
    Other
    $706
    Deferred
    $59,976
    Nontaxable benefits
    $22,479
    Filer's total
    $379,480

  • Jeffrey Ballard

    PRESIDENT & CEO

    Total calculated
    $1,406,542
    From this org
    $1,239,213
    From related orgs
    $0
    Other
    $167,329
    Hours/week
    40 + 1 related

    Schedule J breakdown matched by us

    Base
    $632,148
    Bonus
    $603,129
    Other
    $3,936
    Deferred
    $144,850
    Nontaxable benefits
    $22,479
    Filer's total
    $1,406,542

  • Kenneth Barry Boster

    CHIEF REVENUE OFFICER

    Total calculated
    $40,970
    From this org
    $37,223
    From related orgs
    $0
    Other
    $3,747
    Hours/week
    40

  • Larry Hogg

    VP INFORMATION SERVICES

    Total calculated
    $344,686
    From this org
    $281,240
    From related orgs
    $0
    Other
    $63,446
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $198,776
    Bonus
    $81,963
    Other
    $501
    Deferred
    $55,077
    Nontaxable benefits
    $8,369
    Filer's total
    $344,686

  • Melissa Huschke

    CHIEF OPERATING OFFICER

    Total calculated
    $668,565
    From this org
    $546,171
    From related orgs
    $0
    Other
    $122,394
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $319,381
    Bonus
    $214,901
    Other
    $11,889
    Deferred
    $104,850
    Nontaxable benefits
    $17,544
    Filer's total
    $668,565

  • Michelle Acosta

    SENIOR VP BRAND EXPERIENCE

    Total calculated
    $379,657
    From this org
    $298,170
    From related orgs
    $0
    Other
    $81,487
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $203,735
    Bonus
    $84,546
    Other
    $9,889
    Deferred
    $57,945
    Nontaxable benefits
    $23,542
    Filer's total
    $379,657

  • Shanda Tucker

    CHIEF COMPLIANCE OFFICER

    Total calculated
    $592,185
    From this org
    $480,093
    From related orgs
    $0
    Other
    $112,092
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $276,535
    Bonus
    $192,522
    Other
    $11,036
    Deferred
    $86,750
    Nontaxable benefits
    $25,342
    Filer's total
    $592,185

  • Darlene Lemond

    MANAGER, OPERATIONS

    Total calculated
    $169,817
    From this org
    $133,959
    From related orgs
    $0
    Other
    $35,858
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $95,624
    Bonus
    $36,630
    Other
    $1,705
    Deferred
    $18,314
    Nontaxable benefits
    $17,544
    Filer's total
    $169,817

  • David Pemberton

    MANAGER, SALES AND ACCOUNT MGMT - THRU 7/2024

    Total calculated
    $209,868
    From this org
    $185,677
    From related orgs
    $0
    Other
    $24,191
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $123,785
    Bonus
    $58,066
    Other
    $3,826
    Deferred
    $11,078
    Nontaxable benefits
    $13,113
    Filer's total
    $209,868

  • Emily Pearson

    ACCOUNT EXECUTIVE

    Total calculated
    $256,483
    From this org
    $216,032
    From related orgs
    $0
    Other
    $40,451
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $43,787
    Bonus
    $164,282
    Other
    $7,963
    Deferred
    $15,109
    Nontaxable benefits
    $25,342
    Filer's total
    $256,483

  • Tracy Bailey

    ACCOUNT EXECUTIVE

    Total calculated
    $404,700
    From this org
    $354,753
    From related orgs
    $0
    Other
    $49,947
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $45,007
    Bonus
    $303,545
    Other
    $6,201
    Deferred
    $24,605
    Nontaxable benefits
    $25,342
    Filer's total
    $404,700

  • William Hamilton III

    ACCOUNT EXECUTIVE

    Total calculated
    $285,487
    From this org
    $244,323
    From related orgs
    $0
    Other
    $41,164
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $50,997
    Bonus
    $185,119
    Other
    $8,207
    Deferred
    $18,685
    Nontaxable benefits
    $22,479
    Filer's total
    $285,487

  • Dr Philip A Wenk

    FORMER CEO

    Total calculated
    $1,462,609
    From this org
    $1,261,190
    From related orgs
    $177,269
    Other
    $24,150
    Hours/week
    0 + 40 related

    Schedule J breakdown matched by us

    Base
    $43,390 + $177,269 related
    Bonus
    $1,216,187
    Other
    $1,613
    Deferred
    $24,150
    Nontaxable benefits
    $0
    Filer's total
    $1,285,340 + $177,269 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
  • 1a · Travel for companions
  • 1b · Written policy on the line-1a expenses
  • 2 · Substantiation required before reimbursing expenses
  • 3 · Compensation committee
  • 3 · Compensation survey or study
  • 3 · Approval by the board or compensation committee
  • 4b · Supplemental nonqualified retirement plan
  • 7 · Other non-fixed payments

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
  • 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 IS AVAILABLE TO ALL BOARD MEMBERS AND SENIOR MANAGEMENT TO ATTEND THE ANNUAL BOARD RETREAT. THE AMOUNT IS FOR A BUSINESS PURPOSE AND NOT TAXABLE TO THE INDIVIDUAL.
Schedule J, Part I, Line 1a Travel for companions
TRAVEL EXPENSES WERE PAID FOR ANY SPOUSE WHO CHOSE TO ATTEND ANY BOARD MEETING. THE AMOUNT PAID FOR EACH SPOUSE WAS REPORTED AS TAXABLE COMPENSATION ON A 1099 OR W2 AND PROVIDED TO EACH RESPECTIVE PERSON.
Schedule J, Part I, Line 4b Supplemental nonqualified retirement plan
A SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN UNDER SEC. 457(F) IS MAINTAINED BY THE ORGANIZATION FOR CERTAIN EXECUTIVE EMPLOYEES. UPON SEVERANCE FROM SERVICE PRIOR TO ATTAINMENT OF NORMAL RETIREMENT AGE, THE PARTICIPANT SHALL FORFEIT INELIGIBLE AMOUNTS IN THE PLAN UNLESS SUCH SEVERANCE IS DUE TO DEATH, DISABILITY OR INVOLUNTARY TERMINATION WITHOUT CAUSE. THE CURRENT PLAN PAYS OUT AT THE END OF A 5 YEAR PERIOD THAT WAS FUNDED IN 2020. IN 2024, MICHELLE ACOSTA, JEFFREY BALLARD, LARRY HOGG, MELISSA HUSCHKE, JEFFREY NEWTON, AND SHANDA TUCKER ACCRUED BENEFITS AS PARTICIPANTS IN THE PLAN. IN 2024, APPROXIMATELY $543,000 WAS DISTRIBUTED FROM THIS PLAN.
Schedule J, Part I, Line 7 Non-fixed payments
AS INDICATED IN SCHEDULE J, PART II, OFFICERS OF THE ORGANIZATION RECEIVED A BONUS BASED ON PERFORMANCE AND THE FINANCIAL RESULTS OF THE ORGANIZATION. THIS BONUS WAS APPROVED BY THE EXECUTIVE COMMITTEE OF THE BOARD.

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.

Disregarded entities

Part I: entities that legally are the filer and file no return of their own.

  • LIQUID CORN LLC

    OWNS SUITE 244 · TN · income $0 · assets $0

    Directly controlled by FORE HOLDING CORPORATION

  • PREMIER INSURANCE SERVICES LLC

    INSURANCE BROKER · TN · income $58 · assets $51,211

    Directly controlled by FORE HOLDING CORPORATION

  • SUITE 244 PARTNERS LLC

    HOLDS THE LEASE TO SUITE 244 AT LP FIELD (TITANS STADIUM) · TN · income $0 · assets $0

    Directly controlled by FORE HOLDING CORPORATION

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 LLC

    N/A · DENTAL CARE · TX

    Directly controlled by NA

Related corporations and trusts

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

  • FORE HOLDING CORPORATION

    C Corporation · HOLDING COMPANY · TN · share of assets $16,052,537 · controlled entity

    Directly controlled by DELTA DENTAL OF TENNESSEE

  • 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

  • DENTAL CHOICE INC

    C Corporation · PROVIDE DENTAL SERVICE PLANS · KY

    Directly controlled by NA

  • DENTAL CHOICE AGENCY INC

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

    Directly controlled by NA

  • OMEGA ADMINISTRATORS INC

    C Corporation · PROVIDING 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 SERVICE PLAN · 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
10 November 2025
IRS schema version
2024v5.1
Source object
202513149349305441

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