2016-11-10T13:10:40-06:00 2015-12-31 341851358 CBIZ MHM LLC 3625 CUMBERLAND BLVD STE 800 ATLANTA GA 30082 990 2015-01-01 231667011 DELTA DENTAL OF PENNSYLVANIA DELT 7177668500 ONE DELTA DRIVE MECHANICSBURG PA 17055 JEANNE FOSTER V.P., FINANCE 7177668500 2016-11-10 1 CRAIG T WILLIAMS P00621386 7708584500 2016-11-10 2015 2017-02-10 21:41:12Z JEANNE FOSTER ONE DELTA DRIVE MECHANICSBURG PA 17055 659542950 0 X WWW.DELTADENTALINS.COM X 1964 PA TO ADVANCE DENTAL HEALTH AND ACCESS THROUGH EXCEPTIONAL DENTAL BENEFITS, SERVICE, TECHNOLOGY, AND PROFESSIONAL SUPPORT. 19 7 791 0 0 0 0 0 590175575 629793253 1772431 2031121 7863917 8293912 599811923 640118286 628549 875978 526370043 566734155 30678459 27922325 0 0 0 27281177 29064671 584958228 624597129 14853695 15521157 162188871 180028681 60278769 64182746 101910102 115845935 TO ADVANCE DENTAL HEALTH AND ACCESS THROUGH EXCEPTIONAL DENTAL BENEFITS, SERVICE, TECHNOLOGY, AND PROFESSIONAL SUPPORT. 0 0 618743789 640118286 THE ORGANIZATION PROVIDED DENTAL BENEFIT COVERAGE FOR 2,266,819 BENEFICIARIES IN 2015 PRIMARILY THROUGH CONTRACTS WITH INDEPENDENT DENTISTS SERVING 1,465 PURCHASING GROUPS. THE ORGANIZATION PAID MORE THAN $566.7 MILLION FOR DENTAL CARE DURING 2015. 875978 875978 THE ORGANIZATION MADE GRANTS DURING 2015 TO FOSTER IMPROVED ACCESSTO DENTAL HEALTH CARE TREATMENT, TO SUPPORT PROFESSIONAL DENTALEDUCATION, AND TO PROVIDE ORAL HEALTH INSTRUCTION FOR PATIENTS. 619619767 0 0 0 0 0 0 0 0 0 1 1 0 0 1 1 0 1 0 0 1 0 0 0 0 0 0 1 0 1 0 0 0 0 0 1 0 1 0 0 0 0 0 1 1 0 0 1 86393 0 1 791 1 0 1 BB 0 0 0 0 X 19 7 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 X JEANNE FOSTER VP FINANCE 7177668500 ONE DELTA DRIVE MECHANICSBURG PA 17055 X JANICE R BLACK CHAIRMAN 2.00 1.00 X 30283 81500 0 EUGENE F CARTER JR VICE CHAIRMAN 2.00 1.00 X 22200 82387 0 BRUCE R TERRY DMD SECRETARY 1.00 X 16200 0 0 JOSEPH P BECK JR TREASURER 2.00 X 22200 0 0 GLEN F BERGERT CPA DIRECTOR 2.00 2.00 X 22200 198801 0 MICHELLE BRUNO DIRECTOR 1.00 X 9900 0 0 JOHN J CHARLETTA DMD DIRECTOR 1.00 X 17400 0 0 RICHARD J CLARK III DDS DIRECTOR 1.00 X 16200 0 0 WILLIAM A DELVECCHIO DMD DIRECTOR 1.00 X 8700 0 0 LOUIS J GREGORIO DIRECTOR 1.00 X 7500 0 0 RONALD HELMINSKI DMD DIRECTOR 1.00 X 16200 0 0 ERIC N HODGES DMD DIRECTOR 1.00 X 8700 0 0 MICHAEL KAHN DMD DIRECTOR 1.00 X 8700 0 0 LORI KOBAYASHI DIRECTOR 1.00 X 9900 0 0 CHRISTOPHER J KOTCHICK DMD DIRECTOR 1.00 X 0 0 0 SCOTT Q LITTLE DDS DIRECTOR 1.00 X 17400 0 0 DEBRA G MAHER DIRECTOR 1.00 X 17400 0 0 PATRICIA A MCVICKER DIRECTOR 1.00 X 8700 0 0 HARRY P MEYERS DDS DIRECTOR 1.00 X 17400 0 0 JAMES A SMELTZER CPA DIRECTOR 2.00 X 22200 0 0 FRANK SNYDER DIRECTOR 1.00 X 17400 0 0 PHILIP R WENGER DIRECTOR 1.00 X 17400 0 0 JOSHUA WOLGIN DMD DIRECTOR 1.00 X 8700 0 0 GARY D RADINE PRESIDENT/CEO 5.00 55.00 X 0 4475607 95086 ANTHONY S BARTH EXE. VICE PRES./COO 4.00 46.00 X 0 2182863 2736344 MICHAEL J CASTRO EXE. VICE PRES./CFO 4.00 46.00 X 0 1448792 2041700 MICHAEL HANKINSON ESQ EXE. VICE PRES./CLO 4.00 46.00 X 0 1201766 47682 BELINDA MARTINEZ SENIOR VICE PRESIDENT 4.00 46.00 X 0 1022124 678480 ALICIA F WEBER SVP. ENTERPRISE CONTROLLER 4.00 46.00 X 0 870243 52245 RUSSELL K BRADLEY VP, CLAIMS PROCESSING 29.00 21.00 X 316175 0 24366 PHILIP N ENGLE VP, INFORMATION TECHNOLOGY 29.00 21.00 X 355966 0 62008 JEANNE M FOSTER VP, FINANCE 29.00 21.00 X 370240 0 60011 RICHARD C GRAYBILL VP, UNDERWRITING 29.00 21.00 X 302802 0 50268 MARTY A SHEETZ VP, SALES SHARED SERVICES 4.00 46.00 X 0 361366 47232 ROBERT COOVER DIRECTOR SALES 40.00 X 289860 0 60806 TIMOTHY MCKEE SALES ACCOUNT EXECUTIVE 40.00 X 334934 0 57870 MICHAEL ROHRBAUGH SALES ACCOUNT EXECUTIVE 40.00 X 269160 0 57347 ALVIN SHEETS DIRECTOR SALES 40.00 X 256518 0 58130 WHITNEY H SHERBOCKER DIRECTOR, ASST. SECRETARY 40.00 X 237115 0 54756 PATRICK S STEELE FORMER EVP, CIO 0.00 0.00 X 0 755434 0 3075653 12680883 6184331 82 1 1 0 ARMANINO MCKENNA LLP 12667 ALCOSTA BLVD SUITE 580 SAN RAMON CA 94583 AUDITING 382100 AEROTECK PROFESSIONAL SERVICES 3689 COLLECTION CENTER DRIVE CHICAGO IL 60693 TEMP EMPLOYEES 369455 NAUMAN SMITH SHISSLER & HALL LLP 200 NORTH THIRD STREET 18TH FLOOR HARRISBURG PA 17108 LEGAL 296663 3 DIRECT PREMIUMS 524114 629793253 629793253 629793253 2031121 2031121 19424664 19424664 0 EQUITY GAIN IN DRC 524114 7949570 7949570 GAIN ON DISPOSAL 524114 720753 720753 BAD DEBT EXPENSE 524114 -264020 -264020 -112391 -112391 8293912 640118286 640118286 0 0 875978 875978 566734155 566734155 4749710 4299912 449798 16266496 14726059 1540437 1840706 1666391 174315 3857280 3491996 365284 1208133 1093723 114410 25313 25313 385822 385822 204780 204780 281781 255096 26685 2599991 2353772 246219 4808647 4353268 455379 1204019 1089998 114021 660335 597801 62534 2953 2953 623967 564877 59090 404147 365874 38273 COMMISSIONS 10312737 10312737 ADMINISTRATIVE FEES 3513040 3180355 332685 ACA TAXES 1394380 1262332 132048 MISC EXPENSES 1240534 1123055 117479 1402225 1269435 132790 624597129 619619767 4977362 0 86969 0 38263116 43460424 1360000 1360000 1199123 1241488 23007957 12620204 11177994 10387753 74304264 80995687 34876545 41608156 920860 975173 162188871 180028681 55551023 57982258 2322956 2041323 2404790 4159165 60278769 64182746 X 0 0 0 0 101910102 115845935 101910102 115845935 162188871 180028681 15521157 -1585324 0 X 0 1 X 1 0 1484639 1484639 9666304 4029686 5636618 2213785 1927672 286113 2878079 2067034 811045 6765150 4595812 2169338 10387753 DELTA DENTAL INSURANCE COMPANY 4885 C DELTA REINSURANCE CORPORATION 40210442 F DENTEGRA INSURANCE COMPANY 1392829 F 41608156 DUE TO SUBSIDIARIES AND AFFILIATES 4159165 4159165 X 218688084 0 218688084 421430202 421430202 640118286 203166927 0 203166927 421430202 421430202 624597129 PART X, LINE 2: THE COMPANY IS A TAX-EXEMPT ORGANIZATION ORGANIZED UNDER SECTION 501(C)(4) OF THE INTERNAL REVENUE CODE AND, AS SUCH, NO PROVISION FOR INCOME TAXES HAS BEEN MADE IN THE FINANCIAL STATEMENTS. CURRENT ACCOUNTING GUIDANCE CLARIFIES HOW UNCERTAINTIES IN TAX POSITIONS ARE RECOGNIZED IN AN ENTITY'S FINANCIAL STATEMENTS. THE GUIDANCE PRESCRIBES A FINANCIAL STATEMENT RECOGNITION THRESHOLD AND MEASUREMENT PROCESS FOR TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. POSITIONS INCLUDE THOSE WITH RESPECT TO THE COMPANY'S TAX EXEMPT STATUS AND WITH RESPECT TO INCOME TAXES ON UNRELATED BUSINESS INCOME. THE COMPANY HAS DETERMINED THAT SUCH TAX POSITIONS DO NOT RESULT IN UNCERTAINTIES REQUIRING RECOGNITION. PART XI, LINE 4B - OTHER ADJUSTMENTS: ADMINISTRATIVE SERVICE CONTRACTS CLAIM REIMBURSEMENT REVENUE PART XII, LINE 4B - OTHER ADJUSTMENTS: CLAIMS ACCRUED FOR ADMINISTRATIVE SERVICE CONTRACTS CENTRAL AMERICA AND THE CARIBBEAN INVESTMENT IN DELTA REINSURANCE CORPORATION 40210442 0 0 0 0 0 0 40210442 0 40210442 0 0 1 0 0 0 1 DELTA DENTAL COMMUNITY CARE FOUNDATION 100 FIRST STREET SAN FRANCISCO CA 94105 371570764 501(C)(3) 687200 TO PROVIDE DENTAL EDUCATION TRES BONNE ANNEE 6426 ONE NORTH SECOND STREET HARRISBURG PA 17101 251888180 501(C)(3) 10000 TO PROVIDE DENTAL EDUCATION CHILDREN'S MUSEUM OF PITTSBURGH 10 CHILDRENS WAY PITTSBURGH PA 15212 251379704 501(C)(3) 5000 TO PROVIDE DENTAL EDUCATION UNITED WAY OF THE CAPITAL REGION 2235 MILLENIUM WAY ENOLA PA 17025 231352095 501(C)(3) 51498 TO PROVIDE DENTAL EDUCATION DOWNTOWN DAILY BREAD 234 S ST HARRISBURG PA 17101 231433867 501(C)(3) 10000 TO PROVIDE DENTAL EDUCATION AMERICAN CANCER SOCIETY 1710 WEBSTER ST OAKLAND CA 94612 131788491 501(C)(3) 100000 TO PROVIDE DENTAL EDUCATION MISC SMALL DONATIONS LESS THAN 5000 12280 TO PROVIDE DENTAL EDUCATION 6 16 PART I, LINE 2: THE ORGANIZATION AWARDS GRANTS FOR PROGRAMS THAT FOSTER DENTAL HEALTH AND EDUCATION. THROUGH THESE GRANTS THE ORGANIZATION HELPS FINANCE HEALTH, EDUCATION, AND RESEARCH PROJECTS IN DENTISTRY, HEALTH AND HUMAN SERVICES, AND CIVIC AND COMMUNITY AFFAIRS. THE TWO GRANTS ARE: (1) THE DENTAL HEALTH AND EDUCATION CONTRIBUTION, WHICH SUPPORTS DENTAL HEALTH AND AWARENESS PROGRAMS AND (2) THE STANDARD DENTAL RESEARCH GRANT, WHICH SUPPORTS PROFESSIONAL RESEARCH RELATED TO DENTAL HEALTH. GRANTS ARE AWARDED TO GROUPS THAT: (1) PROVIDE DENTISTRY FOR ECONOMICALLY DISADVANTAGED PERSONS; (2) PROVIDE DENTISTRY FOR GROUPS THAT ARE DENTALLY UNDERSERVED; (3) PROVIDE EDUCATION TO ADVANCE THE AWARENESS OR THE SCIENCE OF DENTISTRY; (4) PROMOTE PUBLIC DENTAL HEALTH; AND (5) ARE INVOLVED IN COMMUNITY ACTIVITIES RELATED TO DENTAL CARE. GRANT GUIDELINES: PRIORITY WILL GO TO PROJECTS THAT FOCUS ON ISSUES RELATED TO THE DELIVERY OF ORAL HEALTH CARE, INCLUDING THOSE WITH SIGNIFICANT POTENTIAL FOR IMPROVING ORAL HEALTH AND REDUCING TREATMENT COSTS. PRIORITY CONSIDERATION WILL GO TO RESEARCHERS FROM THE DENTAL SCHOOLS IN THE ENTERPRISE STATES, BUT WILL NOT BE LIMITED TO THESE INSTITUTIONS. PRIORITY WILL GO TO TWO TYPES OF STUDIES: (1) PILOT OR FEASIBILITY STUDIES LIKELY TO ENHANCE THE INVESTIGATOR'S CHANCE FOR LONG-TERM FUNDING FROM OTHER SOURCES; AND (2) COMPLETE PROJECTS CONSIDERED TO BE OF INTEREST TO THE HEALTH, EDUCATION, AND RESEARCH FUND, FOR WHICH OTHER SOURCES OF FUNDS ARE TRADITIONALLY UNAVAILABLE OR INSUFFICIENT. PRIORITY WILL GO TO STUDIES THAT EVALUATE THE OUTCOME OF PREVENTATIVE AND TREATMENT PROCEDURES. RETROSPECTIVE STUDIES OR THOSE INVOLVING ANALYSIS OF EXISTING DATA SHOULD BE CONSIDERED, RATHER THAN LONG-TERM FOLLOW-UP STUDIES, IN ORDER TO REDUCE THE YEARS REQUIRED TO OBTAIN DATA. OVERHEAD CHARGES WITHIN EACH ELIGIBLE GRANT WILL BE LIMITED TO EIGHT PERCENT. THE FUND WILL NORMALLY MAKE ONE TO TWO STANDARD RESEARCH GRANTS PER YEAR. INDIVIDUAL GRANTS WILL GENERALLY NOT EXCEED $40,000. GRANTS WILL BE LIMITED TO ONE-YEAR PROJECTS, SUBJECT TO RENEWAL. EXCEPT IN SPECIAL CASES, AN ORGANIZATION/ENTITY WILL NOT BE ELIGIBLE FOR MORE THAN ONE GRANT DURING ANY YEAR. A SCREENING COMMITTEE REVIEWS ALL APPLICATIONS, WITH FINAL GRANT DECISIONS MADE BY THE FUND'S ADMINISTRATIVE COMMITTEE. X X X 1 1 X X X X X 0 1 0 0 0 0 0 1 0 GLEN F BERGERT CPA DIRECTOR 22200 198801 0 0 0 0 0 0 0 0 22200 198801 0 0 GARY D RADINE PRESIDENT/CEO 0 1269235 0 2852481 0 353891 0 76496 0 18590 0 4570693 0 0 ANTHONY S BARTH EXE. VICE PRES./COO 0 899123 0 1235316 0 48424 0 2708696 0 27648 0 4919207 0 0 MICHAEL J CASTRO EXE. VICE PRES./CFO 0 566496 0 854926 0 27370 0 2017868 0 23832 0 3490492 0 0 MICHAEL HANKINSON ESQ EXE. VICE PRES./CLO 0 459304 0 575749 0 166713 0 23850 0 23832 0 1249448 0 0 BELINDA MARTINEZ SENIOR VICE PRESIDENT 0 463500 0 512000 0 46624 0 658854 0 19626 0 1700604 0 0 ALICIA F WEBER SVP. ENTERPRISE CONTROLLER 0 383200 0 447982 0 39061 0 31719 0 20526 0 922488 0 0 RUSSELL K BRADLEY VP, CLAIMS PROCESSING 252122 0 54410 0 9643 0 7950 0 16416 0 340541 0 0 0 PHILIP N ENGLE VP, INFORMATION TECHNOLOGY 245192 0 99333 0 11441 0 44095 0 17913 0 417974 0 0 0 JEANNE M FOSTER VP, FINANCE 251225 0 105209 0 13806 0 43397 0 16614 0 430251 0 0 0 RICHARD C GRAYBILL VP, UNDERWRITING 212265 0 81062 0 9475 0 43245 0 7023 0 353070 0 0 0 MARTY A SHEETZ VP, SALES SHARED SERVICES 0 241367 0 100000 0 19999 0 23850 0 23382 0 408598 0 0 ROBERT COOVER DIRECTOR SALES 132192 0 138491 0 19177 0 42888 0 17918 0 350666 0 0 0 TIMOTHY MCKEE SALES ACCOUNT EXECUTIVE 67446 0 254210 0 13278 0 41273 0 16597 0 392804 0 0 0 MICHAEL ROHRBAUGH SALES ACCOUNT EXECUTIVE 66843 0 204744 0 -2427 0 41967 0 15380 0 326507 0 0 0 ALVIN SHEETS DIRECTOR SALES 78289 0 165818 0 12411 0 41832 0 16298 0 314648 0 0 0 WHITNEY H SHERBOCKER DIRECTOR, ASST. SECRETARY 168678 0 52000 0 16437 0 38573 0 16183 0 291871 0 0 0 PATRICK S STEELE FORMER EVP, CIO 0 0 0 755434 0 0 0 0 0 0 0 755434 0 0 PART I, LINE 1A FIRST CLASS BUSINESS TRAVEL IS REIMBURSED TO THE EXECUTIVE VICE PRESIDENTS, SENIOR VICE PRESIDENTS, AND GROUP VICE PRESIDENTS. FIRST CLASS BUSINESS TRAVEL IS NOT TREATED AS TAXABLE COMPENSATION. THE PRESIDENT AND EXECUTIVE VICE PRESIDENTS MAY BE REIMBURSED FOR ONE HEALTH OR SOCIAL CLUB UPON APPROVAL BY THE PRESIDENT. TWO SENIOR EXECUTIVES RECEIVED THIS BENEFIT IN 2015. THE COST OF THIS BENEFIT IS INCLUDED IN TAXABLE COMPENSATION. FINANCIAL AND TAX PLANNING EXPENSES ARE REIMBURSED TO EMPLOYEES AT THE DIRECTOR OR ABOVE LEVELS OF MANAGEMENT. A COMPANY POLICY OUTLINES THE MAXIMUM REIMBURSEMENT ALLOWED FOR EACH MANAGEMENT LEVEL. THESE REIMBURSEMENTS ARE INCLUDED IN THE TAXABLE COMPENSATION OF THE REIMBURSED EMPLOYEES. PART I, LINE 4B CERTAIN EXECUTIVES PAID BY A RELATED ORGANIZATION PARTICIPATE IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PROGRAM. THE RELATED ORGANIZATION PROVIDES A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN TO CERTAIN OF ITS SENIOR EXECUTIVES AS SELECTED BY THE BOARD OF DIRECTORS. THE SUPPLEMENTAL RETIREMENT BENEFIT IS BASED ON EACH EXECUTIVE'S COMPENSATION AND YEARS OF SERVICE TO THE ENTERPRISE. THE BENEFIT IS SUBJECT TO THE RISK OF FORFEITURE IF REQUIRED YEARS OF SERVICE ARE NOT MET. ANNUAL DEFERRED COMPENSATION RELATED TO THIS PLAN IS REPORTED IN SCHEDULE J, PART II, COLUMN (C) FOR EACH PARTICIPANT AND REFLECTS THE CURRENT YEAR INCREASE OR DECREASE IN THE RELATED ORGANIZATION'S PENSION BENEFIT OBLIGATION ("PBO"), CALCULATED PURSUANT TO GENERALLY ACCEPTED ACCOUNTING PRINCIPLES. THE PBO INCREASE OR DECREASE INCLUDES CHANGES IN ACTUARIAL ASSUMPTIONS (E.G., APPLICABLE DISCOUNT RATE), AS WELL AS CHANGES IN COMPENSATION AND YEARS OF SERVICE. IN 2015, ANTHONY BARTH, MICHAEL CASTRO, AND BELINDA MARTINEZ PARTICIPATED IN THE PLAN. PART I, LINE 7 THE PRESIDENT OF THE ORGANIZATION, WITH BOARD OF DIRECTORS APPROVAL, MAY GRANT AN ANNUAL BONUS TO ALL MANAGEMENT EMPLOYEES. THESE AMOUNTS ARE INCLUDED IN TAXABLE COMPENSATION. PART II, LINE (II) EIGHT OF THE ORGANIZATION'S OFFICERS ARE PAID BY A RELATED ORGANIZATION. ACCORDINGLY, THEIR COMPENSATION IS REPORTED ON LINE (II). ERIC N HODGES DMD PARTICIPATING PROVIDER 168509 DENTAL CLAIM PAYMENTS 0 BRUCE R TERRY DMD ENDODONTIC SPE PARTICIPATING PROVIDER 226301 DENTAL CLAIM PAYMENTS 0 CHRISTOPHER J KOTCHICK DMD PARTICIPATING PROVIDER 279468 DENTAL CLAIM PAYMENTS 0 RICHARD J CLARK III DDS PARTICIPATING PROVIDER 435082 DENTAL CLAIM PAYMENTS 0 MICHAEL R KAHN DMD ELECTED 615 PARTICIPATING PROVIDER 188023 DENTAL CLAIM PAYMENTS 0 JOSHUA B WOLGIN DMD ELECTED 615 PARTICIPATING PROVIDER 142565 DENTAL CLAIM PAYMENTS 0 GODIVA CHOCOLATIER INC ORGANIZATION DIRECTOR DEBRA MAHER IS AN OFFICER OF GODIVA CHOCOLATIER, INC. 702264 PREMIUM REVENUE 0 RUE21 ORGANIZATION DIRECTOR LORI KOBAYASHI IS AN OFFICER OF RUE21 596827 PREMIUM REVENUE 0 SUNGUARD DATA SYSTEMS INC ORGANIZATION DIRECTOR MICHELLE BRUNO IS AN OFFICER OF SUNGARD DATA SYSTEMS 5404675 PREMIUM REVENUE 0 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS ONE CLASS OF MEMBERS, DESIGNATED CORPORATE MEMBERS, WHO ARE DIRECTORS OF DENTEGRA GROUP, INC., THE ORGANIZATION'S PARENT HOLDING COMPANY. FORM 990, PART VI, SECTION A, LINE 7A THE ORGANIZATION'S DIRECTORS VOTE ON PERSONS NOMINATED AS DIRECTORS FOR ENDORSEMENT TO THE CORPORATE MEMBERS, WHO ELECT THE DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7B THE CORPORATE MEMBERS MUST APPROVE ANY CHANGES TO SPECIFIED BYLAWS PROVISIONS. FORM 990, PART VI, SECTION B, LINE 11 THE ORGANIZATION'S CFO AND LEGAL COUNSEL OVERSEE THE COMPLETION OF THE FORM 990 AND, PRIOR TO FILING, REVIEW IT WITH THE PRESIDENT/CEO AND WITH THE AUDIT COMMITTEE OF THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 12C EACH DIRECTOR IS REQUIRED TO COMPLETE A CONFLICT OF INTEREST DISCLOSURE STATEMENT ANNUALLY, AND BETWEEN ANNUAL STATEMENTS IS REQUIRED TO DISCLOSE ANY NEW POSITION OR RELATIONSHIP FORMED THAT POTENTIALLY RAISES A CONFLICT OF INTEREST. LEGAL COUNSEL REVIEWS THESE DISCLOSURES AND REPORTS THE INFORMATION TO THE FULL BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION PAID TO THE CEO AND EXECUTIVE VICE PRESIDENTS IS APPROVED BY THE EXECUTIVE COMMITTEE OF THE ORGANIZATION'S BOARD OF DIRECTORS. THE EXECUTIVE COMMITTEE SERVES AS THE COMPENSATION COMMITTEE AND APPROVES COMPENSATION FOR THE ENSUING YEAR AFTER REVIEWING COMPARABILITY DATA PRESENTED BY AN INDEPENDENT OUTSIDE COMPENSATION CONSULTANT, AN ASSESSMENT OF EACH OFFICER'S PERFORMANCE OVER THE PRECEDING YEAR, AND THE ORGANIZATION'S PROGRAM ACCOMPLISHMENTS FOR THE YEAR. COMPENSATION PAID TO DIRECTORS IS APPROVED BY THE EXECUTIVE COMMITTEE OF THE ORGANIZATION'S BOARD OF DIRECTORS AFTER REVIEWING COMPARABILITY DATA IN A BENCHMARKING STUDY PREPARED AND PRESENTED BY AN INDEPENDENT OUTSIDE COMPENSATION CONSULTANT RETAINED BY THE BOARD OF DIRECTORS. THESE PROCESSES WERE FOLLOWED FOR 2015 COMPENSATION. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION ANNUALLY INCLUDES MAJOR PORTIONS OF ITS FINANCIAL STATEMENT IN A PUBLISHED ANNUAL REPORT THAT IS MADE AVAILABLE TO PERSONS OR ENTITIES KNOWN TO HAVE AN INTEREST IN THE ORGANIZATION, AND IS AVAILABLE TO THE LARGER PUBLIC UPON REQUEST. STATUTORY FINANCIAL STATEMENTS ARE INCLUDED IN QUARTERLY AND ANNUAL RETURNS TO STATE DEPARTMENTS OF INSURANCE REGULATING THE ORGANIZATION WHICH RETURNS ARE AVAILABLE TO THE PUBLIC. THE ORGANIZATION DOES NOT MAKE ITS GOVERNING DOCUMENTS OR CONFLICT OF INTEREST POLICY AVAILABLE TO THE PUBLIC. FORM 990, PART VII; SCHEDULE J; SCHEDULE R THE ORGANIZATION, REGULATED BY THE PENNSYLVANIA INSURANCE DEPARTMENT, IS A MEMBER OF THE DELTA DENTAL OF CALIFORNIA ENTERPRISE COMPANIES, WHICH INCLUDE DELTA DENTAL OF CALIFORNIA, DELTA DENTAL OF PENNSYLVANIA AND AFFILIATED COMPANIES OPERATING IN 15 STATES, THE DISTRICT OF COLUMBIA, PUERTO RICO AND THE U.S. VIRGIN ISLANDS. THE ENTERPRISE COMPANIES COMPRISE ONE OF THE NATION'S LARGEST DENTAL BENEFITS DELIVERY SYSTEMS COVERING 33.1 MILLION ENROLLEES AND HANDLING 44.7 MILLION CLAIMS. TOTAL REVENUE FOR THE ENTERPRISE EXCEEDED $8.2 BILLION IN 2015. THE ORGANIZATION AND ITS SUBSIDIARIES REPRESENT APPROXIMATELY 8% OF TOTAL ENTERPRISE REVENUES. FORM 990, PART VII AND SCHEDULE J: EFFECTIVE JANUARY 1, 2012 DELTA DENTAL OF PENNSYLVANIA ESTABLISHED THE LONG-TERM INCENTIVE PLAN (LTIP) FOR ELIGIBLE EMPLOYEES OF THE COMPANY. THE PURPOSE OF THE LTIP IS TO PROVIDE INCENTIVE FOR ELIGIBLE EMPLOYEES' CONTRIBUTION TO THE COMPANY'S LONG-TERM SUCCESS. THE LTIP IS UNFUNDED AND ALL PAYMENTS FROM THE LTIP ARE DERIVED FROM THE EQUITY GAINS OF THE COMPANY. AS SUCH THERE IS NO GUARANTEE OF INCENTIVE PAYMENTS UNDER THE LTIP. UPON DELEGATION BY CERTAIN OFFICERS OF THE BOARD, THE CEO AND MANAGEMENT COMMITTEE HAS THE SOLE AND ABSOLUTE DISCRETION TO DETERMINE THE PERFORMANCE OBJECTIVES, BOTH FINANCIAL AND NONFINANCIAL, UPON WHICH PAYMENT OF AWARDS ARE BASED AND THE TIME PERIOD DURING WHICH PERFORMANCE SHALL BE MEASURED (LTIP CYCLE). THE CURRENT LTIP CYCLE IS JANUARY 1, 2013 THROUGH DECEMBER 31, 2015. 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