2014-11-17T11:53:59-06:00 2013-12-31 KPMG LLP 1 FINANCIAL PLAZA HARTFORD CT 06103 990 2013-01-01 050296998 DELTA DENTAL OF RHODE ISLAND % GEORGE BEDARD DELT 4017526000 10 CHARLES STREET Suite PROVIDENCE RI 02904 GEORGE J BEDARD controller 4017526000 2014-11-14 true Mary-Evelyn Antonetti P00431862 4017526000 2014-11-12 2013 2015-11-30 17:44:51Z RICHARD A FRITZ 10 CHARLES STREET PROVIDENCE RI 02904 217938022 false X WWW.DELTADENTALRI.COM X 1959 RI TO PROVIDE COST EFFECTIVE GROUP DENTAL INSURANCE TO THE RHODE ISLAND BUSINESS COMMUNITIES. 15 12 48 0 0 -43864 0 0 193356672 198099389 2008084 2675393 112543 154244 195477299 200929026 456706 2007539 169000103 171927760 10907977 10822423 0 0 0 8404015 7814026 188768801 192571748 6708498 8357278 100912427 112273893 15586421 17798010 85326006 94475883 TO PROVIDE COST EFFECTIVE GROUP DENTAL INSURANCE TO THE RHODE ISLAND BUSINESS COMMUNITIES. false false 172435299 198048330 DENTAL BENEFITS FOR 581,154 MEMBERS UNDER 270,982 CONTRACTS 10875488 205303 OPERATIONS EXPENSE INCURRED TO ADMINISTER THE PAYMENT OF DENTAL BENEFITS. 183310787 false false false false false false false false false true true false false true true false true false false false false false false false false false true false true false false false false false false false true false false false false false true true true false true 15 0 true 48 true true true false false false false false false false false false false false false X 15 12 false false false false true true true true true false false true true true true true true true true false X GEORGE BEDARD 4017526240 10 CHARLES STREET PROVIDENCE RI 02904 X FRED BUTLER VICE CHAIR 1.0 1.0 X 9100 0 0 A THOMAS CORREIA DIRECTOR 1.0 1.0 X 9000 0 0 DAVID A DUFFY DIRECTOR (rotated off 4/25/13) 1.0 1.0 X 4100 0 0 FRANCIS FLYNN DIRECTOR 1.0 1.0 X 7500 0 0 ALMON C HALL DIRECTOR 1.0 1.0 X 8000 0 0 EDWARD HANDY DIRECTOR 1.0 1.0 X 8500 0 0 STEVEN ISSA DIRECTOR 1.0 1.0 X 7600 0 0 JOSEPH MARCAURELE DIRECTOR 1.0 1.0 X 8500 0 0 LINDA MCGOLDRICK DIRECTOR 1.0 1.0 X 6000 0 0 JAMES MCMANUS DIRECTOR 1.0 1.0 X 8000 0 0 WILLIAM A MEKRUT CHAIR 1.0 1.0 X 13600 0 0 CYNTHIA REED DIRECTOR 1.0 1.0 X 9500 0 0 EDWIN J SANTOS DIRECTOR 1.0 1.0 X 9500 0 0 ALEC TAYLOR DIRECTOR (ROTATED OFF 4/25/13) 1.0 1.0 X 4500 0 0 VANESSA TOLEDO-VICKERS DIRECTOR 1.0 1.0 X 8200 0 0 JULIE G DUFFY DIRECTOR 1.0 1.0 X 2500 0 0 JOHN T RUGGIERI DIRECTOR 1.0 1.0 X 3000 0 0 JOSEPH A NAGLE PRESIDENT & CEO 40.0 1.0 X 715074 0 147701 RICHARD A FRITZ VP FINANCE & CFO 40.0 1.0 X 267577 0 53330 KATHRYN SHANLEY VP EXTERNAL AFFAIRS 40.0 1.0 X 238996 0 49459 GEORGE J BEDARD CONTROLLER 40.0 1.0 X 138851 0 34336 MELISSA A GENNARI DIRECTOR COMPLIANCE 32.0 1.0 X 102182 0 12933 THOMAS D CHASE VP TECHNOLOGY & CIO 40.0 1.0 X 260318 50826 STEPHEN J SPERANDIO VP OPERATIONS until 7/1/2013 40.0 1.0 X 0 338487 24239 ANGELO PEZZULLO VP SALES-DELTA DENTAL 40.0 1.0 X 245543 0 50411 CARLOS SANCHEZ-FUENTES VP Actuarial to 5/1/2013 40.0 X 189070 0 18286 JOSEPH R PERRONI VP SALES - ALTUS DENTAL 40.0 1.0 X 0 236618 43161 STEPHEN C TOMBS DIRECTOR ACTUARIAL 40.0 1.0 X 155713 0 35409 ELLEN M HENDRIX AVP UNDERWRITING 40.0 1.0 X 149943 0 36901 DUANE EASTER DIRECTOR OF CORP. REPORTING 40.0 1.0 X 126961 0 33324 PATRICIA M NORTH-MARTINO DIRECTOR INTERNAL AUDIT 40.0 1.0 X 118131 0 32190 MATTHEW P COLLINS Sr. Actuarial Analyst 40.0 1.0 X 111170 0 28212 2686311 835423 650718 12 false true false DUFFY SHANLEY 10 CHARLES STREET PROVIDENCE RI 02904 MARKETING SERVICES 794328 NETCENERGY 231 ELM STREET WARWICK RI 02888 IT CONSULTING 647609 CATHEDRAL CORP GRIFFIN TECHNOLOGY PARK ROME NY 13441 PRINTING AND MAIL 338937 KPMG LLP 6TH FL SUITE A 100 WESTMINSTER ST PROVIDENCE RI 02903 AUDIT & TAX SERVICES 261175 ROCKY MOUNTAIN DATA CONTROL INC 2040 EAST MURRAY HOLLADAY ROAD 103 SALT LAKE CITY UT 84117 DATA ENTRY SERVICES 196179 5 0 PREMIUMS 198099389 198099389 198099389 1549395 1549395 0 0 0 0 0 18134994 17008996 1125998 1125998 1125998 0 0 0 0 OTHER INCOME 900099 154244 154244 154244 200929026 198253633 0 2675393 X 2007539 2007539 0 0 171927760 171927760 2390850 2390850 0 7174785 5004497 2170288 257553 179646 77907 359762 250939 108823 639473 330371 309102 0 221457 221457 1431132 1133139 297993 57025 57025 0 498978 498978 0 0 594653 594653 0 0 843142 419614 423528 70553 6694 63859 0 23095 23095 0 0 1175228 1175228 139780 139780 0 EQUIPMENT RENTAL & MAINTENANCE 935970 935970 POSTAGE 694552 615595 78957 BOARD AND ASSOCIATION FEES 393628 7921 385707 TELEPHONE 189502 189502 545331 434077 111254 192571748 183310787 9260961 0 X 250 250 26662963 6604533 0 0 13170561 13478846 0 0 0 0 0 0 0 0 461657 482119 9988482 7678785 2826043 2309697 49356662 79228974 7965026 9541595 0 0 0 0 469265 627879 100912427 112273893 11118274 11329879 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4468147 6468131 15586421 17798010 X 0 0 0 0 85326006 94475883 85326006 94475883 100912427 112273893 X 8357278 792599 X false true X true false 2653043 1694783 958260 4651306 3623822 1027484 2684133 2360180 323953 2309697 SUBSIDIARIES 7965026 C INVESTMENT-OTHER 1576569 F 9541595 0 CLAIMS INCURRED BUT NOT PAID 4947000 ACCRUED CLAIMS ADJUDICATION EXPENSE 237644 ADVANCE SUBSCRIBERS PREMIUM 1283487 6468131 X PART X Delta Dental of Rhode Island is a not for profit corporation pursuant to Section 501(c)(4) of the Internal Revenue Code (IRC) and is generally exempt from federal income taxes on related income under Section 501(a) of the IRC and, accordingly, no provision for income taxes relative to Delta Dental of Rhode Island has been made in the accompanying consolidated financial statements. Park Row Associates was incorporated in the state of Rhode Island as a not for profit corporation. For federal and state income tax reporting purposes, Park Row Associates was considered to be a for profit corporation. Altus Realty Company is a nonprofit real estate holding company pursuant to Section 501(c)(2) of the Internal Revenue Code. The Altus Group, Inc. is incorporated in the State of Rhode Island as a for profit corporation, and files consolidated federal and state tax returns with its subsidiary corporations. These subsidiaries are Altus Dental, Inc., Altus Systems, Inc. and Altus Dental Insurance Company, Inc. false SAN MIGUEL SCHOOL 525 BRANCH AVENUE PROVIDENCE RI 02904 223232973 501(C)(3) 20000 PROGRAM SUPPORT RI COMMUNITY FOOD BANK 200 NIANTIC AVE PROVIDENCE RI 02907 050395601 501(C)(3) 15080 PROGRAM SUPPORT MCAULEY MINISTRIES 622 ELMWOOD AVE PROVIDENCE RI 02907 050440470 501(C)(3) 13718 PROGRAM SUPPORT CVS CHARITY CLASSIC INC ONE CVS DRIVE WOONSOCKET RI 02895 050508742 501(C)(3) 28700 PROGRAM SUPPORT PROVIDENCE COLLEGE 1 CUNNING SQUARE PROVIDENCE RI 02908 050258932 501(C)(3) 15450 PROGRAM SUPPORT SALVE REGINA UNIVERSITY 100 OCHRE POINT AVE NEWPORT RI 02840 050259080 501(C)(3) 16750 PROGRAM SUPPORT LITTLE SISTERS OF THE POOR 964 MAIN STREET PAWTUCKET RI 02860 050283791 501(C)(3) 10500 PROGRAM SUPPORT CHARTERCARE HEALTH PARTNERS 200 HIGH SERVICE AVE N PROVIDENCE RI 02908 260236669 501(C)(3) 7500 PROGRAM SUPPORT HASBRO CHILDREN'S HOSPITAL (TEAMSTERS FR) 593 EDDY STREET PROVIDENCE RI 02903 050258954 501(C)(3) 10000 PROGRAM SUPPORT AMOS HOUSE 413 FRIENDSHIP STREET PROVIDENCE RI 02907 050387218 501(C)(3) 12700 PROGRAM SUPPORT ST Patrick ACADEMY 244 SMITH ST PROVIDENCE RI 02908 530196617 501(C)(3) 17200 PROGRAM SUPPORT JUNIOR ACHIEVEMENT 120 WATERMAN STREET PROVIDENCE RI 02906 841267604 501(C)(3) 7800 PROGRAM SUPPORT UNITED WAY OF RI 50 VALLEY STREET PROVIDENCE RI 02909 050276059 501(C)(3) 6671 PROGRAM SUPPORT MIRIAM HOSPITAL FOUNDATION PO BOX H PROVIDENCE RI 02901 050377502 501(C)(3) 8500 PROGRAM SUPPORT OCEAN STATE JOB LOT CHARITABLE 375 COMMERCE PARK RD N KINGSTOWN RI 02852 200959438 501(C)(3) 6000 PROGRAM SUPPORT RI HOSPITAL FOUNDATION PO BOX H PROVIDENCE RI 02901 050468736 501(C)(3) 7500 PROGRAM SUPPORT SPECIAL OLYMPICS RHODE ISLAND 370 GEORGE WA HIGHWAY SMITHFIELD RI 02917 050377867 501(C)(3) 15550 PROGRAM SUPPORT AMERICAN HEART ASSOCIATION 1 STATE STREET PROVIDENCE RI 02908 135613797 501(C)(3) 10380 PROGRAM SUPPORT VENTURE FOR AMERICA 450 PARK AVE SOUTH NEW YORK NY 10016 272987904 501(C)(3) 26000 PROGRAM SUPPORT FAMILY SERVICE OF RI 55 HOPE STREET PROVIDENCE RI 029046688 050258858 501(C)(3) 12600 PROGRAM SUPPORT LEARNING COMMUNITY 21 LINCOLN AVE CENTRAL FALL RI 02863 470942849 501(C)(3) 12500 PROGRAM SUPPORT MCAULEY HOUSE 622 ELMWOOD AVE PROVIDENCE RI 02907 050440470 501(C)(3) 10100 PROGRAM SUPPORT CROSSROADS RHODE ISLAND 160 BROAD STREET PROVIDENCE RI 02903 050259094 501(c)(3) 10000 PROGRAM SUPPORT SOPHIA ACADEMY 582 ELMWOOD AVE PROVIDENCE RI 02907 311736069 501(C)(3) 10000 PROGRAM SUPPORT BRYANT UNIVERSITY 1150 DOUGLAS TURNPIKE SMITHFIELD RI 02908 050258810 501(c)(3) 9500 PROGRAM SUPPORT rocky hill school 530 IVES ROAD EAST GREENWICH RI 02818 050277258 501(C)(3) 8300 PROGRAM SUPPORT JEFFREY OSBORNE CELEBRITY CLASSIC PO BOX PROVIDENCE RI 02907 050510492 501(c)(3) 7500 PROGRAM SUPPORT RI FOUNDATION - LINDSAY T REED FUND ONE UNION STATION PROVIDENCE RI 02914 222604963 501(C)(3) 6000 PROGRAM SUPPORT JOHN E FOGARTY CENTER ONE TURKS HEAD PLACE PROVIDENCE RI 02903 056016875 501(C)(3) 6000 PROGRAM SUPPORT FRIARS FOREVER FUND 1 CUNNING SQUARE PROVIDENCE RI 02908 050258932 501(C)(3) 5800 PROGRAM SUPPORT RHODE ISLAND FOUNDATION - DDRI ENDOWMENT ONE UNION STATION PROVIDENCE RI 02914 222604963 501(C)(3) 1500000 PROGRAM SUPPORT 30 GRANT MAKING POLICIES: SCHEDULE I, LINE 2 THE COMPANY DOES NOT ISSUE SPECIFIC GRANTS, HOWEVER, AS PART OF OUR CORPORATE RESPONSIBILITY PROGRAM, WE SUPPORT LOCAL CHARITABLE ORGANIZATIONS. X X true true X X X X true true false false true true false false false JOSEPH A NAGLE PRESIDENT & CEO 525788 0 125631 0 63655 0 129454 0 18247 0 862775 0 0 0 RICHARD A FRITZ VP FINANCE & CFO 231300 0 34066 0 2211 0 33334 0 19996 0 320907 0 0 0 THOMAS D CHASE VP TECHNOLOGY & CIO 228168 30999 1151 33330 17496 311144 STEPHEN J SPERANDIO VP OPERATIONS until 7/1/2013 0 118808 0 26543 0 193136 0 14172 0 10067 0 362726 0 0 ANGELO PEZZULLO VP SALES-DELTA DENTAL 208057 0 29516 0 7970 0 30415 0 19996 0 295954 0 0 0 CARLOS SANCHEZ-FUENTES VP Actuarial to 5/1/2013 74695 0 13369 0 101006 0 11893 0 6393 0 207356 0 0 0 KATHRYN SHANLEY VP EXTERNAL AFFAIRS 211332 0 24608 0 3056 0 30763 0 18696 0 288455 0 0 0 JOSEPH R PERRONI VP SALES - ALTUS DENTAL 0 193541 0 36452 0 6625 0 25665 0 17496 0 279779 0 0 STEPHEN C TOMBS DIRECTOR ACTUARIAL 137906 0 17526 0 281 0 17912 0 17497 0 191122 0 0 0 ELLEN M HENDRIX AVP UNDERWRITING 132452 0 17081 0 410 0 17325 0 19576 0 186844 0 0 0 GEORGE J BEDARD CONTROLLER 125540 0 12220 0 1091 0 16059 0 18277 0 173187 0 0 0 DUANE EASTER DIRECTOR OF CORP. REPORTING 112101 0 14524 0 336 0 13827 0 19497 0 160285 0 0 0 PATRICIA M NORTH-MARTINO DIRECTOR INTERNAL AUDIT 105233 0 12587 0 311 0 12693 0 19497 0 150321 0 0 0 SCHEDULE J, PART 1, QUESTION 1A THE CEO'S EMPLOYMENT AGREEMENT CONTAINS PROVISIONS FOR HIM TO RECEIVE PAYMENTS SO THAT HE CAN PERSONALLY PROCURE CERTAIN FRINGE BENEFITS SUCH AS LIFE INSURANCE AND LONG TERM DISABILITY POLICIES THAT ARE OTHERWISE AVAILABLE TO ALL OTHER EMPLOYEES. THIS ADDITIONAL INCOME IS GROSSED UP TO ACCOUNT FOR THE TAX IMPACT OF THESE PAYMENTS. SCHEDULE J, PART 1, QUESTION 1A THE CEO IS A MEMBER OF A LOCAL BUSINESS CLUB. REIMBURSEMENT FOR USE OF THIS IS EXCLUSIVELY FOR OFFSITE EMPLOYEE MEETINGS AS WELL AS BUSINESS RELATED MEETINGS WITH INDIVIDUALS OUTSIDE THE COMPANY. THE COMPANY MAINTAINS STRICT POLICIES REGARDING SUBSTANTIATION AND DOCUMENTATION FOR ALL BUSINESS RELATED EXPENSES INCURRED. SCHEDULE J, PART I, LINE 4B A MEMBER OF MANAGEMENT PARTICIPATES IN A 457(F) DEFERRED COMPENSATION PLAN BUT HAS NOT MET THE VESTING CRITERIA AND THEREFORE NO PAYMENTS HAVE BEEN MADE TO DATE. SCHEDULE J, PART 1, QUESTION 5B THE CEO HAS AN INCENTIVE BONUS OPPORTUNITY FOR UP TO 15% OF HIS BASE PAY SHOULD CERTAIN GOALS BE ATTAINED. GOALS ARE ESTABLISHED ANNUALLY AND FOR THE TAX YEAR 2013, ONE OF THESE GOALS IS BASED ON THE REVENUES OF A WHOLLY-OWNED SUBSIDIARY OF THE COMPANY. THIS GOAL HAS A WEIGHTING OF 10% THEREFORE THIS GOAL IS EQUAL TO 1.5% OF BASE PAY. SCHEDULE J, PART I, QUESTION 6A THE COMPANY MAINTAINS AN ANNUAL INCENTIVE PROGRAM THAT IS ALLOCATED TO ALL APPLICABLE EMPLOYEES IF THE COMPANY MEETS CERTAIN BOARD APPROVED CORPORATE FINANCIAL GOALS, INCLUDING MEETING ENROLLMENT LEVELS, CONTROL OF OPERATING EXPENSES, AND OVERALL PROFITABILITY. SEVERANCE CARLOS SANCHES-FUENTES RECEIVED $83,868 AS SEVERANCE AND A CONTRACTUAL NON-COMPETE AGREEMENT. STEPHEN SPERANDIO RECEIVED $170,515 AS SEVERANCE AND A CONTRACTUAL NON-COMPETE AGREEMENT. BOTH OF THESE AMOUNTS ARE INCLUDED IN EACH INDIVIDUAL'S COMPENSATION ON SCHEDULE J, COLUMN B(III). A THOMAS CORREIA DDS INC CORREIA - BOARD MEMBER 544933 PAYMENT OF DENTAL PRACTICE. false MCMANUS PRATT MCMANUS - BOARD MEMBER 856262 PAYMENT OF DENTAL PRACTICE. false CITIZENS BANK HANDY - BOARD MEMBER 200897 BANK FEES false PART IV, TRANSACTION 3 - CITIZENS BANK E. HANDY WAS EMPLOYED BY CITIZENS BANK UNTIL THE FALL OF 2013. THE BANK FEES REPORTED ON PART IV REPRESENT THE PRORATED AMOUNT OF BANK FEES PAID BY DDRI TO CITIZENS BANK DURING THE PERIOD THAT THE INDIVIDUAL WAS EMPLOYED BY CITIZENS BANK. MEMBERS OF THE ORGANIZATION FORM 990, PART VI, SECTION A, QUESTION 6 THE ORGANIZATION HAS 78 CORPORATE MEMBERS. MEMBERS THAT MAY ELECT THE GOVERNING BODY FORM 990, PART VI, SECTION A, QUESTION 7A THE CORPORATE MEMBERS MEET ANNUALLY TO APPROVE ANY BY-LAW CHANGES AND TO ELECT INDIVIDUALS TO THE 15 MEMBER BOARD OF DIRECTORS WHICH IS THE ORGANIZATION'S GOVERNING BODY. DECISIONS OF THE GOVERNING BODY SUBJECT TO APPROVAL BY MEMBERS FORM 990, PART VI, SECTION A, QUESTION 7B THE MEMBERS OF THE CORPORATION, AT THE ANNUAL MEETING, SHALL ELECT DIRECTORS OF THE CORPORATION THAT HAVE BEEN PROPOSED BY THE BOARD OF DIRECTORS AND SHALL APPROVE AMENDMENTS OR ALTERATIONS OF THE BYLAWS PROPOSED BY THE BOARD OF DIRECTORS. FORM 990 REVIEW PROCESS FORM 990, PART VI, SECTION B, QUESTION 11B THE ANNUAL FORM 990 IS PREPARED BY THE COMPANY'S FINANCE DEPARTMENT WITH INPUT FROM SENIOR MANAGEMENT. UPON COMPLETION OF THE PREPARATION OF THIS DRAFT, IT IS THEN SUPPLIED TO KPMG, OUR TAX CONSULTANTS AND EXTERNAL AUDITORS. KPMG WILL COMPLETE THEIR REVIEW WITH ANY NECESSARY MODIFICATIONS AND THIS REVISED DRAFT IS AGAIN REVIEWED BY THE CONTROLLER, CFO AND CEO AS NECESSARY. FORM 990 IS THEN SUPPLIED TO THE BOARD OF DIRECTORS BEFORE A COPY IS FILED WITH THE IRS. CONFLICT OF INTEREST POLICY FORM 990, PART VI, SECTION B, QUESTION 12C ALL W2 EMPLOYEES, INTERNS, TEMPS, DENTAL CONSULTANTS, AND BOARD MEMBERS COMPLETE AN ANNUAL CONFLICT OF INTEREST QUESTIONNAIRE. THE REVIEW PROCESS FOR COMPLETED QUESTIONNAIRES CONTAINING DISCLOSURES IS AS FOLLOWS: FOR W2 EMPLOYEES, INTERNS, AND TEMPS: DISCLOSURES ARE REVIEWED BY THE DIRECTOR OF COMPLIANCE AND CFO. DISCLOSED POTENTIAL CONFLICTS ARE DISCUSSED AND MAY BE ELEVATED IN THE REVIEW PROCESS TO THE CEO AND EXTERNAL LEGAL COUNSEL FOR ADVICE. ANY REQUIRED ACTIONS ARE IMMEDIATELY IMPLEMENTED IN ACCORDANCE WITH THE COMPANY'S DOCUMENTED CONFLICT OF INTEREST POLICIES. FOR THE CEO AND CFO: DISCLOSURES ARE REVIEWED BY EXTERNAL LEGAL COUNSEL. LEGAL COUNSEL ADVISES OF ANY REQUIRED ACTIONS WHICH ARE IMMEDIATELY IMPLEMENTED IN ACCORDANCE WITH THE COMPANY'S DOCUMENTED STANDARDS OF CONDUCT AND BUSINESS ETHICS AND CONFLICT OF INTEREST POLICIES. FOR DENTAL CONSULTANTS: DISCLOSURES ARE REVIEWED BY THE DIRECTOR OF COMPLIANCE, THE VP - CFO, THE DIRECTOR OF PROGRAM INTEGRITY AND NETWORK MANAGEMENT, AND THE VP - CIO. ALL CONFLICTS ARE DISCUSSED AND MAY BE ELEVATED TO EXTERNAL LEGAL COUNSEL FOR ADVICE. ANY REQUIRED ACTIONS ARE IMMEDIATELY IMPLEMENTED IN ACCORDANCE WITH THE COMPANY'S DOCUMENTED CONFLICT OF INTEREST POLICIES. FOR BOARD MEMBERS: DISCLOSURES ARE REVIEWED BY EXTERNAL LEGAL COUNSEL. LEGAL COUNSEL PREPARES A WRITTEN MEMORANDUM FOR PRESENTATION TO BOARD MEMBERS WITH RESULTS OF REVIEW. ALL CONFLICTS ARE DISCUSSED AND ANY REQUIRED ACTIONS ARE IMMEDIATELY IMPLEMENTED IN ACCORDANCE WITH THE COMPANY'S DOCUMENTED CONFLICT OF INTEREST POLICIES. SHOULD AN UNDISCLOSED CONFLICT COME TO LIGHT, THEN IMMEDIATE AND APPROPRIATE ACTION IS ALSO TAKEN IN ACCORDANCE WITH THE COMPANY'S POLICIES. COMPENSATION POLICY FORM 990, PART VI, SECTION B, QUESTION 15 THE BOARD OF DIRECTORS ELECTS MEMBERS TO SERVE ON ITS COMPENSATION COMMITTEE WHICH IS RESPONSIBLE FOR SETTING THE CEO'S COMPENSATION AND APPROVING PAY RANGES FOR THE VARIOUS JOB TRACKS WITHIN THE COMPANY AS WELL AS APPROVING ANY FRINGE BENEFITS. THE COMPANY AND THE COMMITTEE ANNUALLY CONTRACT WITH INDEPENDENT COMPENSATION CONSULTANTS TO HELP DETERMINE APPROPRIATE PAY RANGES AND FRINGE BENEFITS SUCH AS HEALTH AND OTHER INSURANCES AND RETIREMENT AND OTHER BENEFITS. PUBLIC DISCLOSURE FORM 990, PART VI, SECTION C, QUESTION 19 THE COMPANY'S GOVERNING DOCUMENTS, SUCH AS BYLAWS AND CORPORATE CHARTER ARE AVAILABLE UPON REQUEST FROM THE COMPANY, AND CAN ALSO BE OBTAINED FROM THE SECRETARY OF STATE'S OFFICE WITHIN THE STATE OF RHODE ISLAND. THE COMPANY'S CONFLICT OF INTEREST POLICY, AS WELL AS THE COMPANY'S AUDITED FINANCIAL STATEMENTS ARE ALSO AVAILABLE UPON REQUEST AT THE COMPANY'S HEADQUARTERS. ADDITIONALLY, ALL STATUTORY FILINGS COMPLETED BY THE COMPANY ARE AVAILABLE THROUGH THE INSURANCE DIVISION WITHIN THE RHODE ISLAND DEPARTMENT OF BUSINESS REGULATION. THE COMPANY'S FORM 990 IS ALSO POSTED ON WWW.GUIDESTAR.ORG. ALTUS REALTY COMPANY 10 CHARLES STREET PROVIDENCE RI 02903 030396397 HOLDING CO. RI 501(c)(2) N/A DDRI true THE ALTUS GROUP INC 10 CHARLES STREET PROVIDENCE RI 029032208 050502610 INSURANCE RI DDRI C CORP 2331585 19879895 1.00000 true true false false false false false false false false false false false true true false false false false false ALTUS DENTAL INSURANCE CO INC A(IV) 240728 FMV ALTUS DENTAL INC A(I) 72426 FMV ALTUS REALTY COMPANY A(I) 32545 FMV THE ALTUS GROUP INC L 5136826 FMV ALTUS DENTAL INSURANCE CO INC M 1364126 FMV