Civic Intelligence

Delta Dental Plan of Arkansas Inc

EIN 71-0561140 • 501(c)4 • Sherwood, AR

Profile

Promote oral health and vision health in the state of arkansas and to improve the awareness and education of the public on oral and vision health matters.

1513 Country Club RoadSherwood, AR 72120

www.deltadentalar.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

43rd percentile

0.15x

Higher debt load relative to assets than 43% of similar nonprofits.

501(c)4 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

36th percentile

0.12x

Higher debt load relative to revenue than 36% of similar nonprofits.

501(c)4 • $100M-$250M nonprofits • Source year 2024

Net Margin

28th percentile

-3.1%

Higher net margin than 28% of similar nonprofits.

501(c)4 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

81st percentile

$1,553,397

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.7% of source-year revenue.

501(c)4 • $100M-$250M nonprofits • Source year 2024

Asset Growth

25th percentile

-2.3%

Faster asset growth than 25% of similar nonprofits.

501(c)4 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

24th percentile

-2.9%

Faster revenue growth than 24% of similar nonprofits.

501(c)4 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Assets

Down

$184,741,295

Down $4,311,359 (-2.3%) from 2023

Liabilities

Down

$27,898,393

Down $2,040,271 (-6.8%) from 2023

Net Assets

Down

$156,842,902

Down $2,271,088 (-1.4%) from 2023

Revenue

Down

$234,076,333

Down $7,025,562 (-2.9%) from 2023

Expenses

Up

$241,403,912

Up $559,521 (+0.2%) from 2023

Net Income

Down

-$7,327,579

Down $7,585,083 (-2946%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2010: $77,114,622Liabilities 2010: $13,601,076Net Assets 2010: $63,513,5462010Assets 2011: $82,893,320Liabilities 2011: $17,219,646Net Assets 2011: $65,673,6742011Assets 2012: $107,900,124Liabilities 2012: $33,472,802Net Assets 2012: $74,427,3222012Assets 2013: $116,141,973Liabilities 2013: $34,959,576Net Assets 2013: $81,182,3972013Assets 2014: $134,834,612Liabilities 2014: $47,565,159Net Assets 2014: $87,269,4532014Assets 2015: $146,773,969Liabilities 2015: $59,391,341Net Assets 2015: $87,382,6282015Assets 2016: $146,618,561Liabilities 2016: $50,144,586Net Assets 2016: $96,473,9752016Assets 2017: $153,487,450Liabilities 2017: $52,098,058Net Assets 2017: $101,389,3922017Assets 2018: $158,566,056Liabilities 2018: $54,181,483Net Assets 2018: $104,384,5732018Assets 2019: $144,962,568Liabilities 2019: $28,743,177Net Assets 2019: $116,219,3912019Assets 2020: $171,528,196Liabilities 2020: $34,598,695Net Assets 2020: $136,929,5012020Assets 2021: $185,482,857Liabilities 2021: $32,231,227Net Assets 2021: $153,251,6302021Assets 2022: $184,568,310Liabilities 2022: $34,237,615Net Assets 2022: $150,330,6952022Assets 2023: $189,052,654Liabilities 2023: $29,938,664Net Assets 2023: $159,113,9902023Assets 2024: $184,741,295Liabilities 2024: $27,898,393Net Assets 2024: $156,842,9022024

Highlighted filing

2024

Assets$184,741,295
Liabilities$27,898,393
Net Assets$156,842,902

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600M$400M$200M$0-$200MExpenses 2010: $352,246,7602010Expenses 2011: $373,348,0792011Expenses 2012: $393,892,6622012Revenue 2013: $407,652,420Expenses 2013: $400,897,345Net Income 2013: $6,755,0752013Revenue 2014: $434,412,910Expenses 2014: $429,655,544Net Income 2014: $4,757,3662014Revenue 2015: $442,452,369Expenses 2015: $441,199,647Net Income 2015: $1,252,7222015Revenue 2016: $501,400,162Expenses 2016: $492,308,815Net Income 2016: $9,091,3472016Revenue 2017: $513,116,083Expenses 2017: $511,889,420Net Income 2017: $1,226,6632017Revenue 2018: $590,804,074Expenses 2018: $584,060,299Net Income 2018: $6,743,7752018Revenue 2019: $235,081,725Expenses 2019: $231,752,689Net Income 2019: $3,329,0362019Revenue 2020: $219,806,934Expenses 2020: $205,064,361Net Income 2020: $14,742,5732020Revenue 2021: $244,317,874Expenses 2021: $228,527,906Net Income 2021: $15,789,9682021Revenue 2022: $242,374,061Expenses 2022: $231,001,450Net Income 2022: $11,372,6112022Revenue 2023: $241,101,895Expenses 2023: $240,844,391Net Income 2023: $257,5042023Revenue 2024: $234,076,333Expenses 2024: $241,403,912Net Income 2024: -$7,327,5792024

Highlighted filing

2024

Revenue$234,076,333
Expenses$241,403,912
Net Income-$7,327,579

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$185$27.9$157$234$241$7.33
2023Detailed filing. Detailed filing data is available for this year.$189$29.9$159$241$241$0.26
2022Detailed filing. Detailed filing data is available for this year.$185$34.2$150$242$231$11.4
2021Detailed filing. Detailed filing data is available for this year.$185$32.2$153$244$229$15.8
2020Detailed filing. Detailed filing data is available for this year.$172$34.6$137$220$205$14.7
2019Detailed filing. Detailed filing data is available for this year.$145$28.7$116$235$232$3.33
2018Detailed filing. Detailed filing data is available for this year.$159$54.2$104$591$584$6.74
2017Detailed filing. Detailed filing data is available for this year.$153$52.1$101$513$512$1.23
2016Detailed filing. Detailed filing data is available for this year.$147$50.1$96.5$501$492$9.09
2015Detailed filing. Detailed filing data is available for this year.$147$59.4$87.4$442$441$1.25
2014Detailed filing. Detailed filing data is available for this year.$135$47.6$87.3$434$430$4.76
2013Detailed filing. Detailed filing data is available for this year.$116$35.0$81.2$408$401$6.76
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$108$33.5$74.4$394
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$82.9$17.2$65.7$373
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$77.1$13.6$63.5$352
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 10, 2025
Return Version
2024v5.2
Gross Receipts
$244,153,679
Mission and Program Overview

Mission

Promote oral health and vision health in the state of Arkansas and to improve the awareness and education of the public on oral and vision health matters.

SEE SCHEDULE O

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$83,983,393$82,008,300▼ $1,975,093
Investments Other Securities$27,702,940$35,452,605▲ $7,749,665
Land, Buildings, and Equipment, Net$22,579,840$21,173,927▼ $1,405,913
Cash and Non-Interest-Bearing Accounts$11,344,571$16,874,623▲ $5,530,052
Savings and Temporary Cash Investments$25,969,808$12,857,599▼ $13,112,209
Accounts Receivable$8,253,479$9,526,322▲ $1,272,843
Other Notes and Loans Receivable, Net$2,305,494$0▼ $2,305,494
Prepaid Expenses and Deferred Charges$1,895,094$1,134,028▼ $761,066
Total Assets$189,052,654$184,741,295▼ $4,311,359
Other Assets Total$5,018,035$5,713,891▲ $695,856
Liabilities
Accounts Payable and Accrued Expenses$22,217,420$21,694,498▼ $522,922
Other Liabilities$4,799,122$3,867,047▼ $932,075
Deferred Revenue$2,922,122$2,336,848▼ $585,274
Total Liabilities$29,938,664$27,898,393▼ $2,040,271
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$159,113,990$156,842,902▼ $2,271,088
Total Net Assets Fund Balance$159,113,990$156,842,902▼ $2,271,088
Total Liabilities and Net Assets / Fund Balance$189,052,654$184,741,295▼ $4,311,359

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$17,707,459$4,422,818$22,130,277
Other Land Buildings$1,006,326$1,969,576$2,975,902
Land$2,154,359-$2,154,359
Equipment$305,783$349,649$655,432
Other Securities$255,869--
Closely Held Equity Interests$35,196,736--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kristin MerloPresident & CEOFT$625,110$928,287$1,553,397
Bradley ClothierEvp & COOFT$475,764$329,922$805,686
Deborah LowtharpVP, Finance/CFOFT$286,963$217,422$504,385
Jimmy AnthonyVP, Strategic Customer SolutionsFT$256,354$215,717$472,071
Dr Troy Dryden BartelsDirector - Part YearPT$16,766$412,163$428,929
Thomas ReddVP, Professional RelationsFT$262,917$151,170$414,087
Dave HawseyVP, MarketingFT$222,523$134,655$357,178
Niki CarterDental Director & Manager, Prof. RelationFT$231,795$91,793$323,588
Katie MehdizadeganVP & General CounselFT$193,762$124,457$318,219
Jennifer MoralesVP, Human ResourcesFT$180,474$129,718$310,192
Kathleen SmithDental ConsultantFT$180,137$53,183$233,320
Ned AlleyDirectorPT$31,736$199,988$231,724
Matthew BrashearManager, UnderwritingFT$138,629$74,497$213,126
Stephen ComptonAccount ExecutiveFT$73,211$122,528$195,739
Robert JonesDental ConsultantFT$153,127$37,899$191,026
Elizabeth JonesDirector, Medicaid OperationsFT$102,779$67,508$170,287
R Mark BaileyDirectorPT$106,131$30,808$136,939
Sarah ClarkChairmanPT$85,510$24,996$110,506
Phillip CoxVice ChairPT$28,480$80,386$108,866
Arnoud KrijtTreasurerPT$37,923$63,012$100,935
Cindy BoyleSecretaryPT$28,472$43,209$71,681
Joe ThompsonDirectorPT$58,076-$58,076
Tamika EdwardsDirectorPT$54,365-$54,365
Paul BeahmDirectorPT$49,079-$49,079
Mark LangstonDirectorPT$47,840-$47,840
Wayne CallahanDirectorPT$45,367-$45,367
Desiree DareDirectorPT$40,813-$40,813
Keith JonesDirectorPT$13,413-$13,413

Highest Paid Contractors

ContractorServicesLocationCompensation
Rock Dental Arkansas PllcDental ServicesPO BOX 3450, Little Rock, AR 72203$18,812,383
Delta Dental Of WashingtonDental Processing Services400 FAIRVIEW AVENUE NORTH SUITE 80, Seattle, WA 98901$9,749,852
Delta Dental Plan Of MichiganDental Processing ServicesPO BOX 30381, Lansing, MI 48909$9,441,522
First American AdministratorsVision Services4000 LUXOTTICA PL, Mason, OH 45040$8,645,034
Armitage Advisors LLCConsulting18122 BEAR TRACK DR, Davidson, NC 28036$3,426,571
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$229,296,174
Investment Income
$4,151,461
Other Revenue
$628,698
Change in Net Assets
$-7,327,579
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$53,114,418
Salaries, Compensation, and Employee Benefits$24,576,230
Grants and Similar Amounts Paid$2,893,329
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$160,819,935--$160,819,935
Fees for Services Other$13,014,219$1,446,024-$14,460,243
Other Salaries and Wages$7,596,593$5,064,395-$12,660,988
Information Technology$10,530,427$1,170,047-$11,700,474
Current Officers, Directors, Trustees, and Key Employees-$4,675,736-$4,675,736
Office Expenses$2,134,496$1,422,999-$3,557,495
Other Employee Benefits$1,935,156$1,290,104-$3,225,260
Grants to Domestic Orgs$2,893,329--$2,893,329
Pension Plan Contributions-$2,764,746-$2,764,746
Fees for Services Legal-$2,149,500-$2,149,500
Depreciation Depletion$1,464,750--$1,464,750
Payroll Taxes-$1,249,500-$1,249,500
Advertising-$925,447-$925,447
Other Expenses-$745,310-$745,310
Occupancy-$640,599-$640,599
Payments to Affiliates-$640,144-$640,144
Travel$184,506$123,004-$307,510
Fees for Services Accounting-$275,228-$275,228
Insurance-$270,639-$270,639
Fees for Service Investment Mgmnt Fees-$228,089-$228,089
Fees for Services Management$96,857$64,571-$161,428
Conferences and Meetings$142,744$15,860-$158,604
Fees for Services Lobbying-$149,000-$149,000
All Other Expenses$101,489$14,139-$115,628
Total Functional Expenses$200,914,501$40,489,411$0$241,403,912
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Delta Dental of Arkansas Foundation IncSherwood, AR501(c)(3)General Support$2,597,063
Rector and Visitors of the University of VirginiaCharlottesville, VA501(c)(3)General Support$108,180
American Red CrossBoone, IA501(c)(3)General Support$30,000
Arkansas Venture CenterLittle Rock, AR501(c)(3)General Support$25,000
United Way of North CarolinaCary, NC501(c)(3)General Support$25,000
Thea FoundationNorth Little Rock, AR501(c)(3)General Support$20,000
Arkansas State Dental AssociationSherwood, AR501(c)(3)General Support$18,720
National Association of Corporate DirectorsArlington, VA501(c)(3)General Support$15,319
US Hardcourt Pickleball ChampionshipLittle Rock, AR501(c)(3)General Support$15,000
Arkansas Sports Hall of FameNorth Little Rock, AR501(c)(3)General Support$12,500
Baptist Health FoundationLittle Rock, AR501(c)(3)General Support$10,750
Mid-america Science MuseumHot Springs, AR501(c)(3)General Support$10,350
CHILDREN'S MUSEUM OF NORTHWEST ARKANSASBentonville, AR501(c)(3)General Support$5,447
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Troy BartelsBoard of DirectorIndependent Contractor Agreement for Dental ServicesNo$298,511
Nader AlleyBoard of DirectorIndependent Contractor Agreement for Dental ServicesNo$167,600
Mark BaileyBoard of DirectorIndependent Contractor Agreement for Dental ServicesNo$84,603
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Prefund Deposits and Refund Checks$2,793,422
Payable to Affiliates$1,073,625
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

The organization has one corporate member - renaissance health service corporation.

Form 990, Part VI, Section A, Line 7A

The directors shall be elected at the annual meeting of the members, consistent with the terms and conditions of any and all voting agreements, proxies and/or affiliation agreements entered into by the corporation and any other party or parties, then in effect with an affiliation cororation.

Form 990, Part VI, Section B, Line 11B

The information presented on the form 990 is gathered by the senior financial and regulatory accountant for the organization. The vp of finance/cfo reviews the information. Once complete, an electronic copy of the form 990 is posted to our board's finance and investment committee for review prior to being filed with the irs.

Form 990, Part VI, Section B, Line 12C

Each interested person shall sign an annual certification affirming (1) receipt of the conflict of interest (2) the policy and code of conduct has been read and understood (3) agreement to comply with policy and code of conduct. In addition, interested parties shall be required to annually complete and file an annual disclosure statement within one month of the date of request. Annual disclosure statements and any subsequent amendements are reviewed by the governance committee in conjunction with legal counsel, and a report of disclosed conflicts are made to delta denta's board of directors. Periodic reviews are also performed to ensure delta dental operates in accordance with the conflict of interest policy.

Form 990, Part VI, Section B, Line 15

The compensation of the organization's ceo is reviewed annually by the compensation committee. The compensation committee consists of board members, none of who have a conflict with respect to the compensation of officers. On a biennial basis, the compensation committee reviews market pricing and benchmarking data of the compensation of the leadership team and staff. The analysis, from a variety of national, regional and local compensation surveys include the use of data as to compare compensation for similarly situated organizations and reviews annual base salary compensation, incentive/bonus compensation, deferred compensation and benefits. The data meets the compensation philosophy and strategic plan as determined and approved by the board of directors. The documents results and recommendation of the analysis are presented to the compensation committee and board of directors.

Form 990, Part VI, Section C, Line 19

Governing documents, conflicts of interest policies, and financial statements are available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Delta Dental Plan of Arkansas Inc
EIN
71-0561140
Phone
5018353400
Address
1513 COUNTRY CLUB ROAD, SHERWOOD, AR 72120

Signing Officer

Name
Deborah Lowtharp
Title
VP Finance and CFO
Phone
5018353400
Signed
2025-11-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Deborah Lowtharp
Formed
1982
Legal Domicile
Ar
Voting Board Members
13
Independent Board Members
11
Employees
231
Volunteers
0

Preparer

Firm
Plante & Moran Pllc
Address
10 S RIVERSIDE PLAZA 9TH FLOOR, CHICAGO, IL 60606
Preparer
David Lowenthal
Phone
3122071040
Supplemental Narrative

Additional Explanations

Form 990, Part I, Line 1

At delta dental of arkansas, we are the champions of smiles. We're a local, not-for-profit service corporation headquartered in sherwood, ar, since 1982, whose mission is to improve the oral health of all arkansans. We strive to provide comprehensive dental and vision insurance plans that are affordable plus deliver industry-leading technology and world-class customer service to our members, business clients, and dental service providers. Delta dental of arkansas is the state's largest dental benefits adminstrator and our unmatched expertise in providing and managing dental benefits is why over 4,000 arkansas companies have chosen us to be their dental benefits provider. At the end of 2024, we were helping more than 543,000 arkansans and a total of 1.9 million lives nationwide keep their smiles healthy through our commercial, individual, and medicare advantage plans. We offer individuals, families and businesses access to the state's (and country's) most extensive network of dentists - including 96% of all licensed and practicing dentists in arkansas. Our highly skilled customer service team is available to assist members from 7 a.m. - 7 p.m., with 99% of inquiries resolved on the first call. Delta dental of arkansas continues to make a difference beyond the walls of our business. Our philanthropic corporate and foundation work benefits and reaches all arkansans - even those who aren't members. Since 2003, delta dental of arkansas has contributed over $27 million in support of oral health education, prevention, and treatment programs across arkansas.

FORM 990, PART XI, LINE 9:

Loss in equity subsidy -1,405,439.

Raw XML AppendixShowing 400 of 1,471 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1DELTA DENTAL OF WASHINGTON
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