2025-11-17T08:46:45+00:00 2024-12-31 331498605 PLANTE & MORAN PLLC 1111 MICHIGAN AVE SUITE 100 EAST LANSING MI 48823 990 2024-01-01 610659432 DELTA DENTAL OF KENTUCKY INC DELT 5027365000 10100 LINN STATION ROAD NO 700 LOUISVILLE KY 40223 J JUDE THOMPSON CEO 2025-11-17 true true DAVID LOWENTHAL CPA P00378651 5173326200 2025-11-14 2024 2025-03-06 01:10:19Z J JUDE THOMPSON 10100 LINN STATION ROAD NO 700 LOUISVILLE KY 40223 217078149 false X WWW.DELTADENTALKY.COM X 1966 KY DELTA DENTAL OF KENTUCKY'S ("DDKY") OVERARCHING MISSION IS EVERYONE DESERVES A HAPPY & HEALTHY SMILE. DDKY HAS ALWAYS BEEN THE LEADER IN THE MARKETS WE SERVE, TO DELIVER UNMATCHED QUALITY AND VALUE IN OUR PROGRAMS AND SERVICES, AND TO VIGOROUSLY PROMOTE THE IMPORTANCE OF ORAL HEALTH AS AN ESSENTIAL PART OF OVERALL HEALTH. 11 10 97 0 9852679 599649 0 0 182112934 194319167 401564 2481568 -446105 -365407 182068393 196435328 5866087 2639506 136793897 148095818 14944593 14309576 0 0 25179021 25056545 182783598 190101445 -715205 6333883 127826614 140030772 21001570 23469967 106825044 116560805 DELTA DENTAL OF KENTUCKY'S ("DDKY") OVERARCHING MISSION IS EVERYONE DESERVES A HAPPY & HEALTHY SMILE. DDKY HAS ALWAYS BEEN THE LEADER IN THE MARKETS WE SERVE, TO DELIVER UNMATCHED QUALITY AND VALUE IN OUR PROGRAMS AND SERVICES, AND TO VIGOROUSLY PROMOTE THE IMPORTANCE OF ORAL HEALTH AS AN ESSENTIAL PART OF OVERALL HEALTH. false false 183821085 2639506 184466488 FOR CLOSE TO SIX DECADES, DELTA DENTAL OF KENTUCKY HAS HELPED PROMOTE HEALTHY SMILES FOR ITS MEMBERS BY DESIGNING AND ADMINISTERING INNOVATIVE, COST-EFFECTIVE DENTAL & VISION BENEFIT PROGRAMS. THESE PLANS MEET MEMBERS' COST-OBJECTIVES WHILE IMPROVING AND MAINTAINING THEIR HEALTH. DELTA DENTAL OF KENTUCKY IS DEDICATED TO ITS MEMBERS AND ENSURES SUPERIOR CUSTOMER SERVICE. DELTA DENTAL OF KENTUCKY OPERATES THE LARGEST DENTAL NETWORKS WITH 89% OF PARTICIPATION AMONG KENTUCKY DENTISTS. DELTA DENTAL'S TWO LARGE NETWORKS, DELTA DENTAL PPO AND DELTA DENTAL PREMIER, GIVE MEMBERS ADDED PROTECTION BY GUARANTEEING THAT PARTICIPATING DENTISTS HAVE AGREED TO ACCEPT THE ALLOWABLE AMOUNT NEGOTIATED BY DELTA DENTAL AS PAYMENT FOR COVERED SERVICES. DELTA DENTAL'S DENTIST-CREDENTIALING PROGRAM, COST MANAGEMENT POLICIES AND FEE REDUCTION AGREEMENTS WITH PARTICIPATING DENTISTS HELP MEMBERS RECEIVE QUALITY DENTISTRY AND BEST DENTAL OUTCOMES. IN EARLY 2020, DELTA DENTAL EXPANDED INTO ADDITIONAL ANCILLARY LINES OFFERING GROUP LIFE AND DISABILITY COVERAGE. ENSURING OUR MISSION OF HAPPY AND HEALTHY SMILES IS A CORE COMPONENT OF DELTA DENTAL OF KENTUCKY, A SEPARATE ACCOUNT WAS ESTABLISHED AT THE COMMUNITY FOUNDATION OF LOUISVILLE IN 2003 WHICH IS FUNDED ANNUALLY FOR GIVING PURPOSES. SINCE THE INCEPTION OF THE COMMUNITY FOUNDATION OF LOUISVILLE ACCOUNT IN 2003, THE CORPORATE PHILANTHROPIC GIVING HAS PROVIDED OVER $27 MILLION IN GRANTS TO OVER 200 ORGANIZATIONS. IN 2024, DONATIONS TOTALED $2.37 MILLION AND WERE USED TO SUPPORT 116 ORGANIZATIONS THROUGH KENTUCKY. THESE DONATIONS FUNDED 22 DENTAL CLINICS ACROSS THE COMMONWEALTH AND 70% OF THESE DOLLARS WERE GRANTED TO ORGANIZATIONS PROVIDING DENTAL CARE AND ORAL HEALTH EDUCATION TO UNDERSERVED POPULATIONS. 183821085 false false false false false false false false false false true true false true true true false true false false false false false false false false false true false true false false false false false false false false false false false false false false true true true true false false true 26013 0 true 97 true true true false false false false false true false X 11 10 true false false false true true true true true false false false true true true true true true true true false false X CHRISTOPHER W GREEN CFO 5027364653 10100 LINN STATION ROAD STE 700 LOUISVILLE KY 40223 DIANE CORNWELL CPA CHAIR 4.0 0.0 X X 35175 0 0 J JUDE THOMPSON PRESIDENT, CEO 40.0 1.0 X X 1123759 0 69313 RODNEY A JACKSON DMD DIRECTOR 4.0 5.0 X X 37096 14581 0 GREGORY V HALL DIRECTOR 2.0 0.0 X 21925 0 0 J DAVID SMITH JR DIRECTOR 4.0 5.0 X 21425 14581 0 JAMES E GEISLER DIRECTOR 2.0 0.0 X 3300 0 0 MICHAEL CHILDERS DMD DIRECTOR - PART YEAR 4.0 1.0 X 0 0 0 PAULA P GRISANTI DIRECTOR 2.0 0.0 X 20925 0 0 RANDALL F DYER JR DIRECTOR 2.0 1.0 X 30153 0 0 REBECCA L PHILLIPS DIRECTOR 2.0 1.0 X 28875 6300 0 ROBERT T MCINTIRE DIRECTOR 2.0 1.0 X 20925 0 0 STEVE S REED VICE CHAIR 2.0 0.0 X 28925 0 0 ANGELA ZUVON NENNI VP/CAO 40.0 1.0 X 689867 0 57006 BRIAN D HART VP/CRO 40.0 1.0 X 795312 0 62069 CHRISTOPHER W GREEN VP/CFO 40.0 1.0 X 683912 0 57697 DANIELLE JACKSON GENERAL COUNSEL, SECRETARY & CHIEF COMPLIANCE OFFICER 40.0 0.0 X 349762 0 61587 JEFFREY D DUES DIRECTOR, ACCOUNT MGMT 40.0 0.0 X 261672 0 44892 JEREMY POSTON MANAGER, SALES 40.0 0.0 X 208042 0 50219 KASSANDRA L KULB DIRECTOR, DENTAL 40.0 0.0 X 241619 0 51653 LAURA F WINCE DIRECTOR, MARKETING 40.0 0.0 X 233080 0 54435 MARGARET HAWKINS DIRECTOR, FINANCIAL REPORTING 40.0 0.0 X 194695 0 51026 5030444 35462 559897 27 false true false DELTA DENTAL PLAN OF MICHIGAN PO BOX 30416 LANSING MI 48909 ADMINISTRATIVE SERVICES 5180087 BAKER TILLY US LLP 1200 ABINGTON EXECUTIVE PARK CLARKS SUMMIT PA 18411 CONSULTING SERVICES 948900 ASSURED PARTNERS 2305 RIVER ROAD LOUISVILLE KY 40206 BENEFITS CONSULTING 772135 HOUCHENS INSURANCE GROUP 1750 SCOTTSVILLE ROAD STE 4 BOWLING GREEN KY 42104 BENEFITS CONSULTING 696248 SKYGEN N92 W14612 ANTHONY AVENUE MENOMONEE WI 53051 SOFTWARE & CONSULTING 693857 26 0 DENTAL CARE REVENUE 524114 184472741 184472741 VISION INSURANCE REVENUE 524114 9852679 9852679 OTHER FEES 561000 -6253 -6253 0 0 0 0 194319167 2136355 2136355 1030974 0 1396381 -365407 0 -365407 -365407 19591653 0 19205306 41134 386347 -41134 345213 345213 0 0 0 0 0 196435328 184466488 9852679 2116161 2639506 2639506 148095818 148095818 3538934 1076141 2462793 7501026 7501026 935049 935049 1703267 1703267 631300 486101 145199 704719 704719 186464 186464 155398 155398 207951 207951 0 0 0 0 1016057 914451 101606 2324288 1510788 813500 1213545 1213545 1020138 887520 132618 2260364 1130182 1130182 22478 13487 8991 41 41 320917 288825 32092 191428 191428 BROKER COMMISSIONS 11069665 11069665 PROCESSING FEES 3008186 3008186 POSTAGE & SHIPPING 741949 734530 7419 FEDERAL TAXES 110362 110362 502595 502595 0 0 190101445 183821085 6280360 0 7725152 9063156 5388716 916043 6144147 11909278 0 0 0 0 382186 697302 25209579 7434990 15388098 17774589 27743909 28254951 48478425 55715811 0 16575981 15699642 127826614 140030772 6180347 5629518 1642823 2662635 0 0 13178400 15177814 21001570 23469967 X 106825044 116560805 106825044 116560805 127826614 140030772 X 6333883 5802830 -2400952 X false true true false 830000 830000 12280448 5726757 6553691 697746 215868 481878 1586061 1281339 304722 9815324 211026 9604298 17774589 45872972 F Closely-held equity interests 45872972 F Financial derivatives INVESTMENT - DENTAL CHOICE, INC. 9842839 F 55715811 ACCRUED INVESTMENT INCOME 210083 457(B) PLAN 1053972 INVESTMENT - RHC 10407817 LEASED ASSETS, NET 4027770 15699642 Federal Income Taxes ESTIMATED CLAIMS LIABILITY 8505273 457(B) PLAN 1051570 ACCRUED COMMISSIONS 1584534 LEASE LIABILITY 4036437 15177814 X 0 0 0 0 0 0 0 0 0 0 0 0 Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote THE ORGANIZATION APPLIES FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ACCOUNTING STANDARDS CODIFICATION (ASC) TOPIC 740, INCOME TAXES (ASC 740), WHICH CLARIFIES THE ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES RECOGNIZED IN A COMPANY'S FINANCIAL STATEMENTS. ASC 740 PRESCRIBES A MORE-LIKELY-THAN-NOT RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN. UNDER ASC 740, TAX POSITIONS WILL BE EVALUATED FOR RECOGNITION, DERECOGNITION, AND MEASUREMENT USING CONSISTENT CRITERIA AND WILL PROVIDE MORE INFORMATION ABOUT THE UNCERTAINTY IN INCOME TAX ASSETS AND LIABILITIES. THE ORGANIZATION HAS DETERMINED THAT IT DOESN'T HAVE ANY MATERIAL UNCERTAIN TAX POSITIONS AS OF DECEMBER 31, 2024 OR DECEMBER 31, 2023. true AMERICAN CANCER SOCIETY PO BOX 2167 LEXINGTON KY 40588 131788491 501C3 10000 0 CASH N/A SPONSORSHIP - EVENT AMERICAN HEART ASSOCIATION 240 WHITTINGTON PARKWAY LOUISVILLE KY 40222 135613797 501C3 13000 0 CASH N/A SPONSORSHIP - EVENT AMERICAN JUNIOR GOLF ASSOCIATION 1980 SPORTS CLUB DRIVE BRASELTON GA 30517 581433914 501C3 20000 0 CASH N/A SPONSORSHIP - EVENT BOURBON CRUSADERS INC 3423 AVERY LANE CINCINNATI OH 45208 871372821 501C3 19000 0 CASH N/A DONATION CARDINAL ATHLETIC FOUNDATION 2100 D FLOYD ST LOUISVILLE KY 40208 GOVT 16000 0 CASH N/A DONATION - SOUTHERN FOODWAYS ALLIANCE DELTA DENTAL OF KENTUCKY FOUNDATION 10100 LINN STATION ROAD LOUISVILLE KY 40223 874045357 501C3 2102000 0 CASH N/A DONATION TO FOUNDATION DELTA DENTAL PLANS ASSOCIATION 222 W MERCHANDISE MART PLZ STE 631 CHICAGO IL 60654 362551984 501C6 14095 0 CASH N/A VARIOUS NOT-FOR-PROFITS EKU ATHLETICS 521 LANCASTER AVE COMMONWEALTH HALL 1213 RICHMOND KY 40475 GOVT 7500 0 CASH N/A SPONSORSHIP - EVENT E-RIDES LLC 3021 SHERBROOKE ROAD LOUISVILLE KY 40205 853754744 N/A 37062 0 CASH N/A DONATION E-BIKES FOR GE FELLOWSHIP OF CHRISTIAN ATHLETES 406 BLANKENBAKER PKWY STE G LOUISVILLE KY 40243 440610626 501C3 10000 0 CASH N/A SPONSORSHIP - EVENT FIRST TEE LOUISVILLE 460 NORTHWESTERN PARKWAY LOUISVILLE KY 40212 200977578 501C3 20000 0 CASH N/A DONATION - GENERAL OPS FREEDOM LAKE INC 2005 ASCENDER COURT LOUISVILLE KY 40245 812739074 501C3 12500 0 CASH N/A SPONSORSHIP - EVENT GREATER LOUISVILLE INC 101 SOUTH 5TH STREET SUITE 2300 LOUISVILLE KY 40202 610434089 501C3 45700 0 CASH N/A SPONSORSHIP - EVENT GREATER LOUISVILLE UK ALUMNI ASSOCIATION PO BOX 6838 LOUISVILLE KY 40206 N/A 10000 0 CASH N/A SPONSORSHIP - EVENT KENTUCKY BOURBON COUNTRY 7731 UPTON OXMOOR LN 202 LOUISVILLE KY 40222 N/A 50000 0 CASH N/A SPONSORSHIP - EVENT KENTUCKY DERBY MUSEUM 704 CENTRAL AVENUE LOUISVILLE KY 40208 311023459 501C3 12200 0 CASH N/A SPONSORSHIP - EVENT KENTUCKY PERFORMING ARTS FOUNDATION 501 WEST MAIN STREET LOUISVILLE KY 40202 310999046 501C3 10000 0 CASH N/A SPONSORSHIP - EVENT LOUISVILLE BATS 401 EAST MAIN ST LOUISVILLE KY 40202 934088233 N/A 12500 0 CASH N/A SPONSORSHIP - EVENT MEDICINAL WHISKEY CHARITY INC 101 CLUB FOREST LANE GREENVILLE SC 29605 854228712 501C3 15000 0 CASH N/A SPONSORSHIP - EVENT ROBBIE VALENTINE BASKETBALL CAMPS 14416 HALDEN RIDGE WAY LOUISVILLE KY 40245 N/A 18500 0 CASH N/A SPONSORSHIP - EVENT UNBRIDLED CHARITABLE FOUNDATION INC 310 BLANKENBAKER LANE LOUISVILLE KY 40207 462090072 501C3 8700 0 CASH N/A SPONSORSHIP - EVENT UNIVERSITY OF LOUISVILLE FOUNDATION INC PO BOX 772050 CHICAGO IL 606772050 237078461 501C3 10000 0 CASH N/A DONATIONS - EVENT USA CARES INC 11760 COMMONWEALTH DRIVE LOUISVILLE KY 40299 050588761 501C3 12800 0 CASH N/A SPONSORSHIPS - EVENT V-SOFT CARES 2550 EASTPOINT PARKWAY SUITE 300 LOUISVILLE KY 40223 825207711 501C3 12500 0 CASH N/A SPONSORSHIP - EVENT 18 6 Schedule I, Part I, Line 2 Procedures for monitoring use of grant funds ALL GRANTS ARE MANAGED THROUGH THE DELTA DENTAL OF KENTUCKY FOUNDATION, A PRIVATE FOUNDATION CONTROLLED BY DELTA DENTAL OF KENTUCKY. GRANTS ARE MADE AND MONITORED UNDER A BOARD APPROVED CORPORATE POLICY WHICH SETS OUT THE GRANT CRITERIA, INCLUDING PROCESSES FOR APPROVAL, DISTRIBUTION, AND MONITORING. THE GRANT APPROVAL COMMITTEE CONSISTS OF THE PHILANTHROPY AND COMMUNICATIONS MANAGER, DIRECTOR OF MARKETING AND EXECUTIVE TEAM MEMBERS. GRANTS MUST BE SUBMITTED ON SPECIFIED FORMS WHICH REQUIRE INFORMATION ABOUT THE GRANTEE ORGANIZATION AND HOW THE GRANTS WILL BE USED. GRANTEE ORGANIZATIONS MUST PERIODICALLY REPORT ON HOW THE FUNDS HAVE BEEN UTILIZED AND CERTIFY THAT FUNDS ARE DISBURSED IN ACCORDANCE WITH THE APPROVED GRANT APPLICATION. THESE REPORTS ARE REGULARLY REVIEWED BY COMPANY STAFF AND SUMMARIZED FOR THE GRANT COMMITTEE. THE COMMITTEE REVIEWS THE REPORTS AT LEAST QUARTERLY AND COMMUNICATES QUESTIONS OR CONCERNS BACK TO THE GRANTEE ORGANIZATION. X X true true X X X X false true false false false false false true false J JUDE THOMPSON PRESIDENT, CEO 536712 0 497880 0 89167 0 33770 0 35543 0 1193072 0 8196 0 CHRISTOPHER W GREEN VP/CFO 362931 0 286868 0 34113 0 35340 0 22357 0 741609 0 31915 0 BRIAN D HART VP/CRO 417973 0 331001 0 46338 0 32048 0 30021 0 857381 0 37450 0 DANIELLE JACKSON GENERAL COUNSEL, SECRETARY & CHIEF COMPLIANCE OFFICER 281407 0 68355 0 0 0 30153 0 31434 0 411349 0 0 0 ANGELA ZUVON NENNI VP/CAO 362379 0 286868 0 40620 0 35340 0 21666 0 746873 0 32621 0 JEFFREY D DUES DIRECTOR, ACCOUNT MGMT 102422 0 159250 0 0 0 26071 0 18821 0 306564 0 0 0 MARGARET HAWKINS DIRECTOR, FINANCIAL REPORTING 130689 0 62948 0 1058 0 21151 0 29875 0 245721 0 0 0 KASSANDRA L KULB DIRECTOR, DENTAL 160903 0 80716 0 0 0 22253 0 29400 0 293272 0 0 0 JEREMY POSTON MANAGER, SALES 69512 0 138530 0 0 0 20507 0 29712 0 258261 0 0 0 LAURA F WINCE DIRECTOR, MARKETING 156221 0 76859 0 0 0 24866 0 29569 0 287515 0 0 0 Schedule J, Part I, Line 1a Travel for companions ON THE OCCASION THAT EXPENSES FOR TRAVEL COMPANIONS IS REIMBURSED, IT MUST BE APPROVED BY THE INDIVIDUALS SUPERVISOR. Schedule J, Part I, Line 1a Health or social club dues or initiation fees MEMBERSHIP DUES TO SOCIAL CLUBS ARE LESS THAN $10,000 PER YEAR AND THESE MEMBERSHIPS ARE PRIMARILY USED FOR BUSINESS PURPOSES. Schedule J, Part I, Line 4b Supplemental nonqualified retirement plan DELTA DENTAL OF KENTUCKY, INC. MAINTAINS A RETENTION BONUS AGREEMENT WITH A SELECT GROUP OF EXECUTIVES OF THE ORGANIZATION. THE BONUS AGREEMENT IS A NONQUALIFIED DEFERRED COMPENSATION PLAN THAT IS INTENDED TO COMPLY WITH SECTION 457(F) OF THE INTERNAL REVENUE CODE. BENEFITS UNDER THIS AGREEMENT ARE SUBJECT TO SUBSTANTIAL RISK OF FORFEITURE AND ARE TAXABLE TO THE PARTICIPATING EXECUTIVES WHEN SUCH AMOUNTS ARE VESTED. J. JUDE THOMPSON IS THE ONLY EXECUTIVE TO PARTICIPATE IN THE RETENTION BONUS AGREEMENT. J. JUDE THOMPSON VESTS ANNUALLY AND IS PAID ANNUALLY. Schedule J, Part I, Line 7 Non-fixed payments AS INDICATED IN SCHEDULE J, PART II, TOP MANAGEMENT OFFICIALS RECEIVED A BONUS BASED UPON EMPLOYEE PERFORMANCE AND THE FINANCIAL RESULTS OF THE ORGANIZATION AS COMPARED TO BUDGET. THIS BONUS WAS APPROVED BY THE EXECUTIVE COMMITTEE OF THE BOARD. Form 990, Part VI, Line 2 Family/business relationships amongst interested persons DIANE CORNWELL IS THE FRACTIONAL CFO FOR AN ORGANIZATION IN WHICH PAULA GRISANTI IS THE EXECUTIVE DIRECTOR. - Business relationship Form 990, Part VI, Line 6 Classes of members or stockholders EFFECTIVE JULY 1, 2009 RENAISSANCE HEALTH SERVICE CORPORATION BECAME THE SOLE CORPORATE MEMBER OF DELTA DENTAL OF KENTUCKY. Form 990, Part VI, Line 7a Members or stockholders electing members of governing body PURSUANT TO AN AFFILIATION AGREEMENT BETWEEN DDKY AND RENAISSANCE HEALTH SERVICE CORP ("RHSC"), RHSC IS THE SOLE VOTING MEMBER OF DELTA DENTAL OF KENTUCKY, INC. ("DDKY"). UNDER THE TERMS OF THAT AGREEMENT THE DDKY BOARD OF DIRECTORS (THE "BOARD") SELECTS DIRECTOR CANDIDATES AND SUBMITS ITS RECOMMENDATIONS TO RHSC, SUBJECT ONLY TO "JUST CAUSE" REVIEW BY RHSC. RHSC CAN REJECT PROPOSED DDKY BOARD CANDIDATES FOR "JUST CAUSE" AS DEFINED IN THE AGREEMENT. OTHERWISE, RHSC MUST APPROVE ALL THE BOARD CANDIDATES PROPOSED BY THE DDKY BOARD. PURSUANT TO THE TERMS OF THE AGREEMENT, DDKY HAS THE RIGHT TO ELECT A NUMBER OF DIRECTORS TO THE RHSC BOARD. AS OF 12/31/2021, DDKY HAS APPOINTED ONE MEMBER OF ITS BOARD TO SIT ON THE RHSC BOARD. Form 990, Part VI, Line 7b Decisions requiring approval by members or stockholders RHSC MUST APPROVE ANY TRANSFER OF ASSETS, INVESTMENTS, LOANS, GUARANTIES OR EXPENDITURES WHICH EXCEEDS TEN PERCENT OF DDKY'S NET ASSETS. RHSC MUST APPROVE THE FOLLOWING CHANGES TO THE DDKY BYLAWS: THE IDENTITY, QUALIFICATION OR RIGHTS OF DDKY'S VOTING MEMBER, THE QUALIFICATIONS, CLASSIFICATIONS, TERMS OF OFFICE OR PERMISSIBLE NUMBER OF DIRECTORS ON DDKY'S BOARD OR ANY LIMITATION ON THE RIGHTS OR AUTHORITY OF THE DDKY BOARD CONTAINED IN DDKY'S ORGANIZATIONAL DOCUMENTS. Form 990, Part VI, Line 11b Review of form 990 by governing body THE FORM 990 IS FIRST REVIEWED INTERNALLY BY THE VICE PRESIDENT AND CFO, CORPORATE COUNSEL AND CEO. A DRAFT IS THEN PROVIDED TO THE AUDIT AND FINANCE CHAIRPERSON FOR REVIEW. PRIOR TO FILING, A COPY OF THE FINAL FORM 990 IS DISTRIBUTED TO THE ENTIRE BOARD OF DIRECTORS. Form 990, Part VI, Line 12c Conflict of interest policy OFFICERS, DIRECTORS AND KEY EMPLOYEES MUST COMPLETE AND SUBMIT A CONFLICT OF INTEREST DISCLOSURE ANNUALLY. THESE FORMS ARE REVIEWED BY THE CEO, THE CORPORATE COMPLIANCE OFFICER, AND A REPORT IS MADE TO THE AUDIT AND FINANCE COMMITTEE OF THE BOARD OF DIRECTORS. THE AUDIT COMMITTEE REVIEWS ALL POTENTIAL CONFLICTS TO DETERMINE IF THE CONFLICTS REPRESENT MATERIAL FINANCIAL RISK TO THE COMPANY AND TAKES ANY ACTION NECESSARY TO RESOLVE OR MITIGATE THE EFFECT OF THE CONFLICTS. WHEN A CONFLICT EXISTS AMONG THE VOTING BOARD MEMBERS, THAT BOARD MEMBER WILL ABSTAIN FROM VOTING ON THE CONFLICTED ISSUE. ALL EMPLOYEES AND DIRECTORS ARE ADVISED ANNUALLY OF THE REQUIREMENT TO REPORT ANY POTENTIAL CONFLICTS OF INTEREST AS THEY OCCUR. EMPLOYEES AND DIRECTORS MAY ALSO MAKE ANONYMOUS REPORTS OF ANY VIOLATIONS OF CORPORATE POLICIES THROUGH A DEDICATED WHISTLEBLOWER SYSTEM ADMINISTERED BY A THIRD PARTY. Form 990, Part VI, Line 15a Process to establish compensation of top management official CEO COMPENSATION IS REVIEWED BY THE EXECUTIVE COMMITTEE OF THE BOARD OF DIRECTORS. THE PROCESS IS PERFORMED, AT A MINIMUM, ANNUALLY. COMPENSATION WAS LAST REVIEWED BY DELTA DENTAL OF KENTUCKY'S COMPENSATION COMMITTEE IN THE FIRST QUARTER OF 2024. THE COMMITTEE IS MADE UP OF BOARD MEMBERS. THE COMMITTEE UTILIZES CERTAIN COMPENSATION SURVEYS AND OUTSIDE CONSULTANTS ARE ENGAGED AS NEEDED. Form 990, Part VI, Line 15b Process to establish compensation of other employees OTHER OFFICERS COMPENSATION IS REVIEWED BY THE EXECUTIVE COMMITTEE OF THE BOARD OF DIRECTORS. THE PROCESS IS PERFORMED, AT A MINIMUM, ANNUALLY. COMPENSATION WAS LAST REVIEWED BY DELTA DENTAL OF KENTUCKY'S COMPENSATION COMMITTEE IN THE FIRST QUARTER OF 2024. THE COMMITTEE IS MADE UP OF BOARD MEMBERS. THE COMMITTEE UTILIZES CERTAIN COMPENSATION SURVEYS AND OUTSIDE CONSULTANTS ARE ENGAGED AS NEEDED. Form 990, Part VI, Line 19 Required documents available to the public GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE FILED WITH THE KENTUCKY DEPARTMENT OF INSURANCE AND ARE AVAILABLE FOR INSPECTION BY THE PUBLIC THROUGH THAT AGENCY. ADDITIONALLY, THE COMPANY MAKES ORGANIZATIONAL DOCUMENTS, CONFLICT OF INTEREST POLICIES, AND FINANCIAL STATEMENTS AVAILABLE AT NO COST UPON RECEIPT OF A WRITTEN REQUEST. Form 990, Part VII, Section A CERTAIN EMPLOYEES ARE OFFICERS OF MULTIPLE COMPANIES WITHIN THE LARGER ORGANIZATION. THE AVERAGE HOURS WORKED REFLECTS APPROXIMATE TIME SPENT IN EACH OF THOSE INDIVIDUAL COMPANIES. WHILE THE HOURS ARE ALLOCATED TO INDIVIDUAL COMPANIES, MUCH OF THE OFFICERS' TIME IS SPENT WORKING ON ISSUES THAT IMPACT THE ENTIRE ORGANIZATION, NOT JUST ONE COMPANY. COMPENSATION IS REPORTED IN FULL TO AGREE TO THE EMPLOYEE'S W-2 AS REQUIRED BY IRS INSTRUCTIONS. ANY ALLOCATION OF COMPENSATION IS INCLUDED ON SCHEDULE R. Form 990, Part XI, Line 9 Other changes in net assets or fund balances EQUITY IN SUBSIDIARY - -2400952; Total - -2400952; DENTAL CHOICE PROPERTIES LLC 10100 LINN STATION RD SUITE 700 LOUISVILLE KY 40223 610659432 REAL ESTATE HOLDING COMPANY KY -365407 7633394 DELTA DENTAL OF KENTUCKY DENTAL CHOICE HOLDINGS LLC 10100 LINN STATION RD SUITE 700 LOUISVILLE KY 40223 830862670 HOLDING COMPANY KY 0 0 DENTAL CHOICE INC DCH DISTRIBUTION LLC 10100 LINN STATION RD SUITE 700 LOUISVILLE KY 40223 863099188 RETAIL SALES KY 0 0 DENTAL CHOICE HOLDINGS LLC ANCILLARY CHOICE LLC 10100 LINN STATION RD SUITE 700 LOUISVILLE KY 40223 844189189 HOLDING COMPANY KY 0 0 DENTAL CHOICE INC RENAISSANCE HEALTH SERVICE CORPORATION PO BOX 30416 LANSING MI 489097916 381675667 PROMOTING DENTAL CARE MI 501(c)(4) NA false DELTA DENTAL PLAN OF MICHIGAN INC 4100 OKEMOS ROAD OKEMOS MI 48864 381791480 PROVIDE DENTAL SERVICE PLANS MI 501(c)(4) RENAISSANCE HEALTH SERVICE CORPORATION false DELTA DENTAL OF TENNESSEE INC 1600 WEST 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