DELTA DENTAL PLAN OF MICHIGAN: Form 990, tax year 2010

View the entire original 990 at ProPublica ↗

Organization: DELTA DENTAL PLAN OF MICHIGAN (EIN 38-1791480)
Tax period: 2010-01-01 to 2010-12-31
Filed: 2011-11-15
IRS object ID: 201143199349304669
Schema version: 2010v3.4
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule C
Schedule D
Schedule I
Schedule J
Schedule L
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2011-11-15T11:53:52-06:00	Timestamp
Tax Period End Date	2010-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	PLANTE & MORANPLLC	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	1111 MICHIGAN AVE PO BOX 2500	AddressLine1
City	EAST LANSING	City
State	MI	State
ZIP Code	488262500	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2010-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	381791480	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	DELTA DENTAL PLAN OF MICHIGAN INC	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	DELT	NameControl
Phone	5173496000	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4100 OKEMOS ROAD	AddressLine1
City	OKEMOS	City
State	MI	State
ZIP Code	48864	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	GORAN JURKOVIC	Name
Title	CHIEF FINANCIAL OFFICER	Title
Phone	5173496000	Phone
Date Signed	2011-11-11	DateSigned
Authorize Third Party	1	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	KEVIN E KRAUSE CPA	Name
Phone	5173326200	Phone

Field	Value	IRS element (for citing)
Tax Year	2010	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	THOMAS J FLESZAR DDS M	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	4100 OKEMOS ROAD	AddressLine1
City	OKEMOS	City
State	MI	State
ZIP Code	48864	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	1373897296	GrossReceipts
Group Return For Affiliates	0	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	WWW.DDPMI.COM	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1957	YearFormation
State Legal Domicile	MI	StateLegalDomicile
Activity Or Mission Description	TO BE THE LEADER IN OUR MARKETS, 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.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	15	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	12	NbrIndependentVotingMembers
Total Nbr Employees	666	TotalNbrEmployees
Total Nbr Volunteers	0	TotalNbrVolunteers
Total Gross UBI	8046777	TotalGrossUBI
Net Unrelated Business Txbl Income	-2304170	NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year	0	ContributionsGrantsPriorYear
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	1315435653	ProgramServiceRevenuePriorYear
Program Service Revenue CY	1296150820	ProgramServiceRevenueCY
Investment Income Prior Year	2315371	InvestmentIncomePriorYear
Investment Income Current Year	5334961	InvestmentIncomeCurrentYear
Other Revenue Prior Year	47701097	OtherRevenuePriorYear
Other Revenue Current Year	46491584	OtherRevenueCurrentYear
Total Revenue Prior Year	1365452121	TotalRevenuePriorYear
Total Revenue Current Year	1347977365	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	0	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	637000	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	1234102205	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	1174358975	BenefitsPaidToMembersCY
Salaries Etc Prior Year	82253217	SalariesEtcPriorYear
Salaries Etc Current Year	63909575	SalariesEtcCurrentYear
Total Prof Fundrsng Exp Prior Year	0	TotalProfFundrsngExpPriorYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	70643513	OtherExpensePriorYear
Other Expenses Current Year	74088171	OtherExpensesCurrentYear
Total Expenses Prior Year	1386998935	TotalExpensesPriorYear
Total Expenses Current Year	1312993721	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	-21546814	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	34983644	RevenuesLessExpensesCY
Total Assets BOY	352014045	TotalAssetsBOY
Total Assets EOY	383149845	TotalAssetsEOY
Total Liabilities BOY	128963341	TotalLiabilitiesBOY
Total Liabilities EOY	121838194	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	223050704	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	261311651	NetAssetsOrFundBalancesEOY
Info In Schedule O Part III	X	InfoInScheduleOPartIII
Mission Description	TO BE THE LEADER IN OUR MARKETS, 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.	MissionDescription
Significant New Program Services	0	SignificantNewProgramServices
Significant Change	0	SignificantChange
Expense	1256800520	Expense
Grants	592000	Grants
Revenue	1288103558	Revenue
Description	PROMOTING DENTAL CAREDELTA DENTAL PLAN OF MICHIGAN, INC. IS A LEADING GROUP DENTAL BENEFITS PROVIDER IN THE MIDWEST. THE PURPOSE OF THE ORGANIZATION IS TO ADVANCE AND PROMOTE THE IMPROVEMENT OF ORAL HEALTH. THIS IS DONE BY OFFERING INNOVATIVE, COST-EFFECTIVE PRODUCTS THAT MEET THE NEEDS OF CUSTOMERS. THIS WAS DEMONSTRATED IN 2010 BY PAYING OUT OVER $1.1 BILLION AND BY PROVIDING DENTAL BENEFITS FOR THE PUBLIC AND ADVANCING THE SCIENCE OF DENTISTRY. IN ADDITION, OVER 6.8 MILLION CLAIMS WERE PROCESSED FOR OVER 1.7 MILLION SUBSCRIBERS.COST SAVING STRATEGIESDELTA DENTAL BENEFIT PLANS ARE COMMITTED TO SAVING GROUPS AND SUBSCRIBERS MONEY. THE DELTA DIFFERENCE IS AN INTEGRATION OF ACTIVITIES; SUCH AS COST MANAGEMENT POLICIES, FEE REDUCTION AGREEMENTS WITH DENTISTS, AND AN ANTI-FRAUD HOTLINE, PUT TO WORK ENSURING QUALITY, COST-EFFECTIVE DENTAL BENEFIT DELIVERY. IN 2010, THE DELTA DIFFERENCE SAVED GROUPS AND SUBSCRIBERS NEARLY $435 MILLION. IN ADDITION, THE DELTA DIFFERENCE HELPS KEEP OUR TREND BELOW THE NATIONAL INFLATIONARY TREND IN DENTAL BENEFITS.ANOTHER COST SAVING STRATEGY WAS THE ADVENT OF A SECURE WEB SITE ALLOWING DENTAL OFFICES TO SUBMIT AND REVIEW CLAIMS, CHECK ELIGIBILITY AND GET REIMBURSED VIA ELECTRONIC DIRECT DEPOSIT. MANY DENTISTS MAIL CLAIMS INCURRING POSTAGE COSTS UP TO 70 CENTS PER CLAIM. BY USING THE DENTAL OFFICE TOOLKIT, THESE COSTS ARE REDUCED TO ZERO. IN 2010, 72% OF CLAIMS WERE SUBMITTED ELECTRONICALLY. THE ONLINE TOOL REDUCES STAFF TIME FOR CLAIMS PROCESSING AND WILL ULTIMATELY LOWER THE COST OF DOING BUSINESS FOR EVERYONE, INCLUDING CUSTOMERS AND SUBSCRIBERS.QUALITY INITIATIVES AND RESULTSBRINGING QUALITY TO ALL WE DO IS THE QUALITY POLICY FOR DELTA DENTAL PLAN OF MICHIGAN, INC. THE AFFILIATED DELTA DENTAL PLANS OF MICHIGAN, OHIO AND INDIANA HOLD THE PRESTIGIOUS ISO 9001 CERTIFICATION, UNDERSCORING OUR COMMITMENT TO PROVIDING QUALITY PRODUCTS AND SERVICES THAT SURPASS CUSTOMER'S EXPECTATIONS. QUALITY STANDARDS ARE EXTREMELY RIGOROUS AND GUARANTEE THAT DELTA DENTAL HAS DOCUMENTED ITS QUALITY PROCEDURES AND SYSTEMS THROUGHOUT THE COMPANY. THE LONGSTANDING COMMITMENT TO PROVIDING QUALITY TO CUSTOMERS, DENTISTS, SUBSCRIBERS AND OTHER BUSINESS PARTNERS HAS NOW BEEN INTERNATIONALLY RECOGNIZED.IN JULY 2003, OUR CUSTOMER SERVICE CALL CENTER WAS CERTIFIED BY BENCHMARKPORTAL AS A "CERTIFIED CENTER OF EXCELLENCE" OFFERING "WORLD-CLASS" CUSTOMER SERVICE. THIS CERTIFICATION WAS AWARDED FOLLOWING A LENGTHY AND RIGOROUS AUDIT THAT DOCUMENTED THE PERFORMANCE OF OUR CALL CENTER AGAINST THE BEST PRACTICES OF A PEER GROUP OF COMPARABLE CUSTOMER SERVICE CALL CENTERS. THESE CALL CENTERS INCLUDED THOSE OF ALL OUR MAJOR COMMERCIAL COMPETITORS.IN JANUARY 2007, BENCHMARKPORTAL AGAIN RECOGNIZED DELTA DENTAL WITH A CERTIFICATE OF EXCELLENCE. CURRENT RESULTS REVEALED THAT DELTA DENTAL'S PERFORMANCE OUTRANKED ALL OTHER CORPORATIONS IN THE DENTAL INDUSTRY AND RANKED SECOND COMPARED TO THE BENCHMARKED HEALTH CARE INDUSTRY.QUALITY SERVICE IS ALSO MEASURED THROUGH INTERNAL AUDITS. RESULTS INDICATE OVER 91 PERCENT OF CLAIMS ARE PROCESSED WITHIN 10 WORKING DAYS, 99 PERCENT OF INQUIRIES ARE RESOLVED ON FIRST CONTACT AND CALLS WERE ANSWERED IN 16 SECONDS. COMMITMENT TO THE COMMUNITYDELTA DENTAL PLAN OF MICHIGAN, INC. BELIEVES ADVANCES IN DENTAL RESEARCH AND ENHANCED EDUCATIONAL OPPORTUNITIES FOR DENTISTS GO A LONG WAY TOWARD IMPROVING ORAL HEALTH. THE COMPANY IS A KEY PLAYER IN GROUNDBREAKING RESEARCH ON TRENDS IN ORAL HEALTH IN THE INSURED POPULATION. THE DELTA DENTAL FUND, THE COMPANY'S PHILANTHROPIC AFFILIATE, ENCOURAGES ADVANCES IN DENTISTRY AND SUPPORTS DENTAL EDUCATION AND RESEARCH. ONLY AN ORGANIZATION OF DELTA DENTAL'S SIZE AND EXPERIENCE IN THE BENEFITS FIELD WOULD HAVE OVER 25 YEARS WORTH OF EXTENSIVE DATA REGARDING DENTAL TREATMENT PATTERNS OVER EXTENDED PERIODS OF TIME. BECAUSE OF ITS COMMITMENT TO ADVANCING THE SCIENCE OF DENTISTRY, EACH YEAR THE COMPANY GRANTS RESEARCHERS AT FIVE DENTAL SCHOOLS IN MICHIGAN, OHIO AND INDIANA ACCESS TO THIS IMPORTANT INFORMATION TO STUDY ORAL HEALTH TRENDS. THE RESULTS OF THEIR STUDIES WILL ADD SIGNIFICANT DATA TO THE BODY OF KNOWLEDGE IN THE FIELD OF DENTISTRY.SINCE IT WAS FORMED IN 1980, THE DELTA DENTAL FUND HAS GRANTED OVER $13 MILLION TOWARD THE ADVANCEMENT OF DENTAL SCIENCE AND IMPROVEMENT OF THE ORAL HEALTH OF THE PUBLIC. DELTA DENTAL FUND REGULARLY PROVIDES FUNDING FOR PROGRAMS THAT HELP AT-RISK POPULATIONS AND INDIVIDUALS WITH SPECIAL NEEDS OBTAIN DENTAL TREATMENT, FOR SCHOLARSHIP AND LEADERSHIP AWARDS TO DENTAL STUDENTS, FOR GRANTS TO PURCHASE LEARNING TOOLS AND OTHER PROGRAMS TO DENTAL SCHOOLS, FOR CONTINUING EDUCATION PROGRAMS FOR THE DENTAL PROFESSION, AND FOR EDUCATIONAL MATERIALS ON THE IMPORTANCE OF ORAL HEALTH AND HAZARDS TO ORAL HEALTH.IN 2010, DELTA DENTAL FUND PROVIDED GRANTS TOTALING NEARLY $1 MILLION FOR DENTAL AND COMMUNITY RELATIONS PROJECTS. AMONG THEM WAS A GRANT TO THE OHIO STATE UNIVERSITY COLLEGE OF DENTISTRY TO SUPPORT THE MOBILE DENTAL CLINIC IT OPERATES TO PROVIDE DENTAL TREATMENT TO THOUSANDS OF CHILDREN IN COLUMBUS, OHIO, WHO LACK ACCESS TO DENTAL CARE.DELTA DENTAL PLAN OF MICHIGAN IS ALSO COMMITTED TO THE COMMUNITY. DELTA DENTAL HAS ALWAYS BEEN KEENLY AWARE OF ITS CIVIC AND SOCIAL RESPONSIBILITY. DELTA DENTAL PLANS ARE PROUD TO SHARE, THROUGH DIRECT FINANCIAL CONTRIBUTIONS, WITH HUNDREDS OF COMMUNITY AGENCIES AND GROUPS. IN ADDITION, EMPLOYEES LOG COUNTLESS HOURS OF THEIR OWN TIME AS VOLUNTEERS. COMMUNITY SUPPORT GENERALLY FALLS UNDER THE BROAD CATEGORIES THAT PROVIDE SUPPORT TO AGENCIES AND INSTITUTIONS SERVING CHILDREN, SENIORS, LOW-INCOME INDIVIDUALS, MINORITIES, AND THE DISABLED AND AT-RISK INDIVIDUALS, TO ORGANIZATIONS THAT PROMOTE EDUCATION, ARTS AND RECREATION AND COMMUNITY DEVELOPMENT, AND TO CHARITABLE PROJECTS OR PROGRAMS RECOMMENDED BY EMPLOYEES, CUSTOMERS, PARTICIPATING DENTISTS AND OTHER KEY GROUPS. THROUGH A PUBLIC-PRIVATE PARTNERSHIP WITH THE MICHIGAN DEPARTMENT OF COMMUNITY HEALTH, DELTA DENTAL ADMINISTERS THE HEALTHY KIDS DENTAL AND MICHILD PROGRAMS. HEALTHY KIDS DENTAL IS A DENTAL BENEFITS PROGRAM FOR MEDICAID BENEFICIARIES UNDER AGE 21. IT IS AVAILABLE IN 61 COUNTIES AND COVERS BASIC DENTAL HEALTH BENEFITS SUCH AS X-RAYS, CLEANINGS, CAVITY FILLINGS, ROOT CANALS, TOOTH EXTRACTIONS AND DENTURES. MORE THAN 300,000 MICHIGAN CHILDREN ARE SERVED BY THIS PROGRAM.MICHILD IS AN INSURANCE PROGRAM THAT IS STATE AND FEDERALLY FUNDED WHICH MAKES COMPREHENSIVE HEALTH AND DENTAL COVERAGE AVAILABLE TO UNINSURED LOW AND MIDDLE INCOME CHILDREN UNDER 19 YEARS OF AGE. DELTA DENTAL PLAN OF MICHIGAN HAS APPLIED ITS ADMINISTRATIVE EXPERTISE AND DENTIST NETWORKS TO IMPROVING ORAL HEALTH CARE FOR THIS SEGMENT OF THE POPULATION ALSO.UNEQUALED ACCESS TO DENTISTSTHE BENEFITS OF DELTA DENTAL ARE NOW AVAILABLE BEYOND THIS NATION'S BORDERS. THROUGH A PARTNERSHIP WITH INTERNATIONAL SOS ASSISTANCE, INC., DELTA DENTAL ENROLLEES CAN NOW RECEIVE EXPERT TREATMENT FOR NON-EMERGENCY AND EMERGENCY DENTAL CARE WHEN THEY ARE OUTSIDE OF THE UNITED STATES.FOR FIVE DECADES, DELTA DENTAL HAS HELPED PROMOTE ORAL HEALTH BY DESIGNING AND ADMINISTERING INNOVATIVE, COST-EFFECTIVE DENTAL BENEFIT PROGRAMS. EXPERTS AT PLAN DESIGN, DELTA DENTAL HAS CREATED DENTAL BENEFIT PROGRAMS THAT MEET CUSTOMER COST-OBJECTIVES WHILE HELPING TO IMPROVE AND MAINTAIN ORAL HEALTH.THE PROGRAMS FEATURE LARGE PANELS OF FULL-TIME PARTICIPATING DENTISTS. IN FACT, 3 OUT OF 4 DENTISTS NATIONWIDE PARTICIPATE WITH DELTA DENTAL. THIS KIND OF REACH HAS ENABLED MILLIONS OF PEOPLE TO RECEIVE COST-EFFECTIVE DENTAL CARE.DELTA DENTAL'S GROUP MEMBERS ARE AFFORDED ADDED PROTECTION BECAUSE THEY GUARANTEE THAT PARTICIPATING DENTISTS WILL ACCEPT THEIR PAYMENT FOR COVERED SERVICES AND THAT NO CHARGES, OTHER THAN CO-PAYMENTS AND DEDUCTIBLES WILL BE BILLED. THIS LOWERS CLAIM COSTS FOR CUSTOMERS AND REDUCES OUT-OF-POCKET COSTS FOR SUBSCRIBERS.WITH TWO NETWORKS OF FULL-TIME PARTICIPATING DENTISTS IN ONE INTEGRATED CLAIMS SYSTEM, DELTA DENTAL CAN DELIVER TO CUSTOMERS AND GROUP MEMBERS, THE GREATEST ACCESS AT THE BEST COST.	Description
Total Program Service Expense	1256800520	TotalProgramServiceExpense
Described In501 C3	0	DescribedIn501C3
Schedule B Required	0	ScheduleBRequired
Political Activities	1	PoliticalActivities
Subject To Proxy Tax	0	SubjectToProxyTax
Donor Advised Funds	0	DonorAdvisedFunds
Conservation Easements	0	ConservationEasements
Collections Of Art	0	CollectionsOfArt
Credit Counseling	0	CreditCounseling
Term Or Permanent Endowments	0	TermOrPermanentEndowments
Report Land Bldg Equip	1	ReportLandBldgEquip
Report Invest Oth Securities	0	ReportInvestOthSecurities
Report Prog Rel Invest	0	ReportProgRelInvest
Report Other Assets	0	ReportOtherAssets
Report Other Liabilities	1	ReportOtherLiabilities
Report Fin48 Footnote	1	ReportFin48Footnote
Independent Audit Financial Stmt	0	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	1	ConsolidatedAuditFinancialStmt
School	0	School
Foreign Office	0	ForeignOffice
Foreign Activities	0	ForeignActivities
More Than5000 K To Organizations	0	MoreThan5000KToOrganizations
More Than5000 K To Individuals	0	MoreThan5000KToIndividuals
Professional Fundraising	0	ProfessionalFundraising
Fundraising Activities	0	FundraisingActivities
Gaming	0	Gaming
Hospital	0	Hospital
Grants To Organizations	1	GrantsToOrganizations
Grants To Individuals	0	GrantsToIndividuals
Schedule J Required	1	ScheduleJRequired
Tax Exempt Bonds	0	TaxExemptBonds
Excess Benefit Transaction	0	ExcessBenefitTransaction
Prior Excess Benefit Transaction	0	PriorExcessBenefitTransaction
Loan To Officer Or DQP	0	LoanToOfficerOrDQP
Grant To Related Person	0	GrantToRelatedPerson
Bsnss Rltnshp With Organization	1	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	0	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	1	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	0	DeductibleNonCashContributions
Deductible Contributions Of Art	0	DeductibleContributionsOfArt
Terminated	0	Terminated
Partial Liquidation	0	PartialLiquidation
Disregarded Entity	1	DisregardedEntity
Related Entity	1	RelatedEntity
Related Org Controlled Entity	1	RelatedOrgControlledEntity
Transaction Related Entity	1	TransactionRelatedEntity
Activities Conducted Partnership	0	ActivitiesConductedPartnership
Schedule O Required	1	ScheduleORequired
Number Forms Transmitted With1096	48737	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	1	ComplianceWithBackupWitholding
Number Of Employees	666	NumberOfEmployees
Employment Tax Returns Filed	1	EmploymentTaxReturnsFiled
Unrelated Business Income	1	UnrelatedBusinessIncome
Form990-T Filed	1	Form990-TFiled
Foreign Financial Account	0	ForeignFinancialAccount
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTrans
Taxable Party Notification	0	TaxablePartyNotification
Non Deductible Contributions	0	NonDeductibleContributions
Indoor Tanning Services	0	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	15	NbrVotingGoverningBodyMembers
Number Independent Voting Members	12	NumberIndependentVotingMembers
Family Or Business Relationship	0	FamilyOrBusinessRelationship
Delegation Of Management Duties	0	DelegationOfManagementDuties
Changes To Organizing Docs	0	ChangesToOrganizingDocs
Material Diversion Or Misuse	0	MaterialDiversionOrMisuse
Members Or Stockholders	1	MembersOrStockholders
Election Of Board Members	1	ElectionOfBoardMembers
Decisions Subject To Approval	1	DecisionsSubjectToApproval
Minutes Of Governing Body	1	MinutesOfGoverningBody
Minutes Of Committees	1	MinutesOfCommittees
Officer Mailing Address	0	OfficerMailingAddress
Local Chapters	1	LocalChapters
Policies Reference Chapters	1	PoliciesReferenceChapters
Form990 Provided To Governing Body	1	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	1	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	1	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	1	RegularMonitoringEnforcement
Whistleblower Policy	1	WhistleblowerPolicy
Document Retention Policy	1	DocumentRetentionPolicy
Compensation Process CEO	1	CompensationProcessCEO
Compensation Process Other	1	CompensationProcessOther
Investment In Joint Venture	1	InvestmentInJointVenture
Written Policy Or Procedure	1	WrittenPolicyOrProcedure
States Where Copy Of Return Is Filed	MI	StatesWhereCopyOfReturnIsFiled
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Name Business NameBusiness

Field	Value	IRS element (for citing)
Business Name Line1	GORAN JURKOVIC CHIEF FINANCIAL OFFICER	BusinessNameLine1

Field	Value	IRS element (for citing)
Telephone Number	5173496000	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	4100 OKEMOS ROAD	AddressLine1
City	OKEMOS	City
State	MI	State
ZIP Code	48864	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (39 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer	Key EmployeeKeyEmployee	Highest Compensated EmployeeHighestCompensatedEmployee
COLLEEN G VIENNA DDS
DIRECTOR	5.00	X	16859	4000	0
LONNY E ZIETZ DDS MS
DIRECTOR	5.00	X	700	0	2000
BRUCE BAIRD DDS
DIRECTOR	5.00	X	18600	0	0
FATHER JACK H BAKER
DIRECTOR	5.00	X	19700	500	0
LISA DANCSOK
MEMBER AT LARGE	5.00	X	25600	500	0
TODD V ESTER DDS
DIRECTOR	5.00	X	20704	500	0
RORY GAMBLE
DIRECTOR	5.00	X	16900	0	0
JOSEPH C HARRIS DDS
SECRETARY	5.00	X	23976	500	0	X
JEFFREY A KELLER
DIRECTOR	5.00	X	1400	0	0
TERRI A MILLER CPCU
DIRECTOR	5.00	X	22570	500	0
TIMOTHY E MOFFIT DBA
DIRECTOR	5.00	X	23804	500	0
C RICHARD SEITZ
MEMBER AT LARGE	5.00	X	22100	3000	0
BRUCE R SMITH
TREASURER	5.00	X	24848	6750	0	X
LU BATTAGLIERI
VICE CHAIRPERSON	5.00	X	24400	500	0	X
TERENCE R COMAR DDS MS
CHAIRPERSON	5.00	X	38866	500	0	X
JAMES P HALLAN
IMMEDIATE PAST CHAIRPERSON	5.00	X	57213	8350	0
GORAN JURKOVIC CPA
CHIEF FINANCIAL OFFICER	50.00		399348	0	211052	X
THOMAS FLESZAR DDS MS
CEO	50.00		1545225	0	25794	X
JOHN A BREZA DDS
SENIOR EXECUTIVE OFFICER	5.00		24200	3500	0		X
JAMES EPILITO
PRESIDENT	50.00		583831	0	2325		X
MICHAEL CLARK
MARKETING PRESIDENT	50.00		387263	0	111697		X
BRENDA LAIRD
V-P INFORMATION TECHNOLOGY	50.00		1022197	0	430935		X
KAREN GREEN
V-P INFORMATICS/QUALITY AS	50.00		322668	0	41615		X
RANDY TASCO
V-P SALES & ACCT MGT	50.00		376418	0	56765		X
EDWARD ZOBECK
EXEC. V-P, HUMAN RESOURCES	50.00		552821	0	270213		X
NANCY HOSTETLER
SR. V-P, CORP & PUBLIC AFF	50.00		374907	0	56853		X
SHERRY CRISP
SR. V-P, OPERATIONS	50.00		411573	0	94615		X
PATRICK CAHILL
EXEC. V-P, INT'L DEVELOPME	50.00		253154	6250	21189		X
JED JACOBSON DDS MS MPH
SR. V-P, PROFESSIONAL SERV	50.00		1659680	0	219698		X
CHARLES FLOYD
EXEC. VICE PRES, UNDERWRIT	50.00		955103	0	61842		X
LAURA L CZELADA
COO	50.00		913186	0	832349		X
RICK KARAS
SR. V-P, LABOR MKT RELATIO	50.00		169361	0	9475		X
TOBY HALL
VICE PRESIDENT- CHIEF ACTUARY	50.00		206860	0	43263		X
JON GROAT
VICE PRESIDENT- GENERAL COUNSEL	50.00		207522	0	19737		X
DANIEL RIENSTRA
SENIOR ACCOUNT EXECUTIVE	50.00		372832	0	40701			X
LORI WHEELRIGHT
SR. ACCT EXECUTIVE	50.00		264736	0	56864			X
MICHAEL BOBAK
SR. ACCT EXECUTIVE	50.00		203998	0	34365			X
TOM MCLELLAN
DIRECTOR OF PROFESSIONAL SERVICES	50.00		196214	0	55444			X
ANTHONY ROBINSON
DIRECTOR, COMMUN & GOVT ACCOUNTS	50.00		219020	0	36236			X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	11956157	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	32350	TotalReportableCompFrmRltdOrgs
Total Other Compensation	2735027	TotalOtherCompensation
Number Individuals GT100 K	122	NumberIndividualsGT100K
Formers Listed	0	FormersListed
Total Comp GT150 K	1	TotalCompGT150K
Compensation From Other Sources	0	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (5 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
WALBRIDGE ALDINGER
777 WOODWARD AVE SUITE 300	DETROIT	MI	48226	GENERAL CONSTRUCTION CONTRACTOR	3895590
MESSA
1480 KENDALE BLVD	EAST LANSING	MI	48826	COMMISSIONS	2927883
CLOVER CONSULTING
400 E DIVISION STE 6 PMB 163	ROCKFORD	MI	49341	IT SERVICES	1999468
ADAGE GROUP LLC
3665 OBSERVATORY LN	HOLT	MI	48842	ADVERTISING	1848810
TEK SYSTEMS
PO BOX 198568	ATLANTA	GA	303848568	CONTRACT SERVICES	1410090

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	29	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (3 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue	ExclusionExclusionAmount
DENTAL CARE REVENUE	624100	1286570006	1286570006
E-COMMERCE SOLUTIONS	518210	8436836	1533552	6902799	$485
IS EXTERNAL SERVICES	524292	1143978		1143978

Field	Value	IRS element (for citing)
Total Program Service Revenue	1296150820	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	4959098	TotalRevenueColumn
Exclusion	$4,959,098	ExclusionAmount

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Securities	25787264	Securities
Other	508530	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Securities	25837045	Securities
Other	82886	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Securities	-49781	Securities
Other	425644	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	375863	TotalRevenueColumn
Exclusion	$375,863	ExclusionAmount

Other Revenue Misc OtherRevenueMisc (2 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	ExclusionExclusionAmount
ADMINISTRATIVE REIMBUR	900099	46105720	$46,105,720
MISCELLANEOUS INCOME	900099	385864	$385,864

Field	Value	IRS element (for citing)
Total Other Revenue	46491584	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	1347977365	TotalRevenueColumn
Related Or Exempt Function Income	1288103558	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	8046777	UnrelatedBusinessRevenue
Exclusion	$51,827,030	ExclusionAmount

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	637000	Total
Program Services	637000	ProgramServices

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	1174358975	Total
Program Services	1174358975	ProgramServices

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	10251150	Total
Program Services	6663247	ProgramServices
Management And General	3587903	ManagementAndGeneral

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	41248465	Total
Program Services	23787261	ProgramServices
Management And General	17461204	ManagementAndGeneral

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	322118	Total
Program Services	150650	ProgramServices
Management And General	171468	ManagementAndGeneral

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	8897756	Total
Program Services	5015220	ProgramServices
Management And General	3882536	ManagementAndGeneral

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	3190086	Total
Program Services	1888419	ProgramServices
Management And General	1301667	ManagementAndGeneral

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	2160399	Total
Program Services	794194	ProgramServices
Management And General	1366205	ManagementAndGeneral

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	526055	Total
Program Services	21769	ProgramServices
Management And General	504286	ManagementAndGeneral

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	439141	Total
Management And General	439141	ManagementAndGeneral

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

Field	Value	IRS element (for citing)
Total	172176	Total
Management And General	172176	ManagementAndGeneral

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	13186289	Total
Program Services	7352809	ProgramServices
Management And General	5833480	ManagementAndGeneral

Advertising Advertising

Field	Value	IRS element (for citing)
Total	845351	Total
Program Services	244181	ProgramServices
Management And General	601170	ManagementAndGeneral

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	10830995	Total
Program Services	9324441	ProgramServices
Management And General	1506554	ManagementAndGeneral

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	7738960	Total
Program Services	5872089	ProgramServices
Management And General	1866871	ManagementAndGeneral

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	2417202	Total
Program Services	1885	ProgramServices
Management And General	2415317	ManagementAndGeneral

Travel Travel

Field	Value	IRS element (for citing)
Total	2359450	Total
Program Services	1645738	ProgramServices
Management And General	713712	ManagementAndGeneral

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	479297	Total
Program Services	171507	ProgramServices
Management And General	307790	ManagementAndGeneral

Interest Interest

Field	Value	IRS element (for citing)
Total	50694	Total
Management And General	50694	ManagementAndGeneral

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	8640865	Total
Program Services	4494046	ProgramServices
Management And General	4146819	ManagementAndGeneral

Insurance Insurance

Field	Value	IRS element (for citing)
Total	528360	Total
Management And General	528360	ManagementAndGeneral

Other Expenses OtherExpenses (5 entries)

DescriptionDescription	TotalTotal	Program ServicesProgramServices	Management And GeneralManagementAndGeneral
COMMISSIONS	9117953	9117953
RSS EXPENSES	8334232	0	8334232
PROCESSING FEES	2758733	2758733
EXTERNAL BUSINESS EXPEN	1847469	1762982	84487
MEMBERSHIP DUES	999760	120462	879298

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	654790	Total
Program Services	616959	ProgramServices
Management And General	37831	ManagementAndGeneral

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	1312993721	Total
Program Services	1256800520	ProgramServices
Management And General	56193201	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	2047	BOY
EOY	2044	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	37776217	BOY
EOY	29801450	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	72642683	BOY
EOY	90473512	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	-707252	BOY
EOY	6999680	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	182770186	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	66096326	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	100668842	BOY
EOY	116673860	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	123477707	BOY
EOY	119676643	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	16943504	BOY
EOY	16937944	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	1210297	BOY
EOY	2584712	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	352014045	BOY
EOY	383149845	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	51531479	BOY
EOY	39056676	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	77431862	BOY
EOY	82781518	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	128963341	BOY
EOY	121838194	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Cap Stck Trst Prin Current Funds CapStckTrstPrinCurrentFunds

Field	Value	IRS element (for citing)
BOY	15744473	BOY
EOY	15744473	EOY

Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund

Field	Value	IRS element (for citing)
BOY	5122500	BOY
EOY	5122500	EOY

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	202183731	BOY
EOY	240444678	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	223050704	BOY
EOY	261311651	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	352014045	BOY
EOY	383149845	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	34983644	ReconcilationRevenueExpenses
Reconcilation Other Changes	3277303	ReconcilationOtherChanges
Info In Schedule O Part XII	X	InfoInScheduleOPartXII
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	0	AccountantCompileOrReview
FS Audited	1	FSAudited
Audit Committee	1	AuditCommittee
Financial Statement Consolidated	X	FinancialStatementConsolidated
Federal Grant Audit Required	0	FederalGrantAuditRequired

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	5000	PoliticalExpenditures
Amt Of Internal Funds Contributed	5000	AmtOfInternalFundsContributed
Total Exmpt Function Expenditures	5000	TotalExmptFunctionExpenditures
Form1120 Pol Filed	1	Form1120PolFiled

Sec527 Pol Orgs Sec527PolOrgs

Name Of527 Organization NameOf527Organization

Field	Value	IRS element (for citing)
Business Name Line1	BILL SCHUETTE ADMINISTRATIVE ACCOUNT	BusinessNameLine1

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	5915 EASTMAN AVE STE 100	AddressLine1
City	MIDLAND	City
State	MI	State
ZIP Code	48640	ZIPCode

Field	Value	IRS element (for citing)
EIN	274215506	EIN
Amt Pd From Internal Funds	5000	AmtPdFromInternalFunds

Schedule D IRS990ScheduleD

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	5816461	OtherCostOrOtherBasis
Book Value	5816461	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	93149169	OtherCostOrOtherBasis
Depreciation	17826278	Depreciation
Book Value	75322891	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	28524600	OtherCostOrOtherBasis
Depreciation	18060884	Depreciation
Book Value	10463716	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	55279956	OtherCostOrOtherBasis
Depreciation	30209164	Depreciation
Book Value	25070792	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	116673860	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (3 entries)

DescriptionDescription	AmountAmount
IBNR - CLAIM ADJUSTMENT RESERVES	$48,146,971
UNEARNED PREMIUMS	$29,331,854
FAS 158 FUNDED STATUS	$5,302,693

Field	Value	IRS element (for citing)
Total Of Amounts	82781518	TotalOfAmounts
Total Revenue	1347977365	TotalRevenue
Total Expenses	1312993721	TotalExpenses
Excess Or Deficit For Year	34983644	ExcessOrDeficitForYear
Other	$3,277,303	OtherAmount
Total Adjustments	3277303	TotalAdjustments
Excess Or Deficit Per FS	38260947	ExcessOrDeficitPerFS

Form990 Schedule D Part XIV Form990ScheduleDPartXIV (2 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:	PART X:	THE ENTERPRISE ADOPTED NEW ACCOUNTING GUIDANCE RELATED TO ACCOUNTING FOR INCOME TAXES AS OF JANUARY 1, 2009. THE NEW ACCOUNTING STANDARD CLARIFIES THE GUIDANCE FOR THE RECOGNITION AND MEASUREMENT OF INCOME TAX BENEFITS RELATED TO UNCERTAIN TAX POSITIONS. THE ADOPTION OF THE NEW GUIDANCE DID NOT HAVE A MATERIAL IMPACT ON THE CONSOLIDATED AND COMBINED FINANCIAL STATEMENTS. AS OF DECEMBER 31, 2010 AND 2009, THE ENTERPRISE'S UNRECOGNIZED TAX BENEFITS WERE NOT SIGNIFICANT. THERE WERE NO SIGNIFICANT PENALTIES OR INTEREST RECOGNIZED DURING THE YEARS OR ACCRUED AT YEAR END.
PART XI, LINE 8 - OTHER ADJUSTMENTS:		LOSS ON EQUITY IN SUBSIDIARIES -351,148. UNREALIZED GAIN ON FIXED INCOME SECURITIES 121,997. UNREALIZED GAIN ON EQUITIES 7,909,692. PENSION RELATED CHANGES -4,403,238.

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Records Maintained	1	RecordsMaintained

Recipient Table RecipientTable (6 entries)

Address Line1AddressUS/AddressLine1	CityAddressUS/City	StateAddressUS/State	ZIP CodeAddressUS/ZIPCode	EIN Of RecipientEINOfRecipient	IRC SectionIRCSection	Amount Of Cash GrantAmountOfCashGrant	Amount Of Non Cash AssistanceAmountOfNonCashAssistance	Method Of ValuationMethodOfValuation	Description Of Non Cash AssistanceDescriptionOfNonCashAssistance	Purpose Of GrantPurposeOfGrant
DELTA DENTAL FUND
PO BOX 30416	LANSING	MI	489097916	382337000	501(C)(3)	592000	0	CASH	N/A	SUPPORT DENTAL EDUCATION AND RESEARCH PROGRAMS
FREEDOM VOTE
PO BOX 2121	COLUMBUS	OH	43216	273004397	501(C)(4)	5000	0	CASH	N/A	SUPPORT ADMINISTRATIVE FUNCTIONS OF LOCAL LEADERS
ON DUTY FOR MICHIGAN
120 N WASHINGTON SQ 410	LANSING	MI	48933	274111592	501(C)(4)	5000	0	CASH	N/A	SUPPORT ADMINISTRATIVE FUNCTIONS OF LOCAL LEADERS
CELEBRATING THE POWER OF MICHIGAN INC
PO BOX 15157	LANSING	MI	48910	273955283	501(C)(4)	10000	0	CASH	N/A	SUPPORT ADMINISTRATIVE FUNCTIONS OF LOCAL LEADERS
KASICHTAYLOR NEW DAY COMMITTEE
PO BOX 06590	COLUMBUS	OH	43206	273902346	501(C)(4)	10000	0	CASH	N/A	SUPPORT ADMINISTRATIVE FUNCTIONS OF LOCAL LEADERS
MICHIGAN ECONOMIC DEVELOPMENT FOUNDATION
PO BOX 13063	LANSING	MI	489013063	382527475	501(C)(3)	15000	0	CASH	N/A	SUPPORT ADMINISTRATIVE FUNCTIONS OF LOCAL LEADERS

Field	Value	IRS element (for citing)
Total Nbr Of501 C3 And Govt Grants	2	TotalNbrOf501C3AndGovtGrants
Total Nbr Of Other Organizations	4	TotalNbrOfOtherOrganizations

Form990 Schedule I Part IV Form990ScheduleIPartIV

Field	Value	IRS element (for citing)
Identifier	PROCEDURE FOR MONITORING GRANTS IN THE U.S.:	Identifier
Return Reference	PART I, LINE 2:	ReturnReference
Explanation	SCHEDULE I, PART I, LINE 2: THE ASSISTED ORGANIZATION IS PART OF A CONTROLLED ORGANIZATION THAT SUPPORTS DELTA DENTAL PLAN OF MICHIGAN'S MISSION.	Explanation

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
First Class Or Charter Travel	X	FirstClassOrCharterTravel
Travel For Companions	X	TravelForCompanions
Written Policy Re T And E Expenses	1	WrittenPolicyReTAndEExpenses
Substantiation Required	1	SubstantiationRequired
Compensation Committee	X	CompensationCommittee
Independent Consultant	X	IndependentConsultant
Form990 Of Other Organizations	X	Form990OfOtherOrganizations
Written Employment Contract	X	WrittenEmploymentContract
Compensation Survey	X	CompensationSurvey
Board Or Committee Approval	X	BoardOrCommitteeApproval
Severance Payment	0	SeverancePayment
Supplemental Nonqual Retire Plan	1	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	0	EquityBasedCompArrangement
Comp Based On Revenue Of Filing Org	0	CompBasedOnRevenueOfFilingOrg
Comp Based On Revenue Related Orgs	0	CompBasedOnRevenueRelatedOrgs
Comp Based Net Earnings Filing Org	0	CompBasedNetEarningsFilingOrg
Comp Based Net Earnings Relate Orgs	0	CompBasedNetEarningsRelateOrgs
Any Non Fixed Payments	0	AnyNonFixedPayments
Initial Contract Exception	0	InitialContractException

Form990 Schedule J Part II Form990ScheduleJPartII (22 entries)

Base Compensation Filing OrgBaseCompensationFilingOrg	Comp Based On Related OrgsCompBasedOnRelatedOrgs	Bonus Filing OrgBonusFilingOrg	Bonus Related OrgsBonusRelatedOrgs	Other Compensation Filing OrgOtherCompensationFilingOrg	Other Compensation Related OrgsOtherCompensationRelatedOrgs	Deferred Comp Filing OrgDeferredCompFilingOrg	Deferred Comp Related OrgsDeferredCompRelatedOrgs	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg	Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs	Total Compensation Filing OrgTotalCompensationFilingOrg	Total Compensation Related OrgsTotalCompensationRelatedOrgs	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg	Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs
GORAN JURKOVIC CPA
202660	0	147689	0	48999	0	184548	0	26504	0	610400	0	0	0
THOMAS FLESZAR DDS MS
659608	0	789500	0	96117	0	-2725	0	28519	0	1571019	0	0	0
JAMES EPILITO
328130	0	253000	0	2701	0	0	0	2325	0	586156	0	0	0
MICHAEL CLARK
205964	0	170244	0	11055	0	84709	0	26988	0	498960	0	0	0
BRENDA LAIRD
260538	0	203607	0	558052	0	419024	0	11911	0	1453132	0	519111	0
KAREN GREEN
158666	0	126489	0	37513	0	15734	0	25881	0	364283	0	0	0
RANDY TASCO
189610	0	153596	0	33212	0	30293	0	26472	0	433183	0	0	0
EDWARD ZOBECK
266865	0	241869	0	44087	0	242959	0	27254	0	823034	0	0	0
NANCY HOSTETLER
181108	0	150552	0	43247	0	30587	0	26266	0	431760	0	0	0
SHERRY CRISP
197023	0	180120	0	34430	0	83458	0	11157	0	506188	0	0	0
PATRICK CAHILL
253154	6250	0	0	0	0	0	0	21189	0	274343	6250	0	0
JED JACOBSON DDS MS MPH
246154	0	219874	0	1193652	0	201008	0	18690	0	1879378	0	1141862	0
CHARLES FLOYD
216761	0	607818	0	130524	0	42695	0	19147	0	1016945	0	0	0
LAURA L CZELADA
402728	0	431763	0	78695	0	820155	0	12194	0	1745535	0	0	0
RICK KARAS
169361	0	0	0	0	0	0	0	9475	0	178836	0	0	0
TOBY HALL
152397	0	39116	0	15347	0	18452	0	24811	0	250123	0	0	0
JON GROAT
154916	0	43724	0	8882	0	9354	0	10383	0	227259	0	0	0
DANIEL RIENSTRA
58866	0	303496	0	10470	0	16531	0	24170	0	413533	0	0	0
LORI WHEELRIGHT
57871	0	198698	0	8167	0	32677	0	24187	0	321600	0	0	0
MICHAEL BOBAK
58805	0	138157	0	7036	0	16197	0	18168	0	238363	0	0	0
TOM MCLELLAN
142885	0	38663	0	14666	0	37033	0	18411	0	251658	0	0	0
ANTHONY ROBINSON
125116	0	79091	0	14813	0	10925	0	25311	0	255256	0	0	0

Form990 Schedule J Part III Form990ScheduleJPartIII (2 entries)

Return ReferenceReturnReference

ExplanationExplanation

PART I, LINE 1A

FIRST CLASS TRAVEL AVAILABLE TO KEY EMPLOYEES. THIS AMOUNT WAS TREATED AS NONTAXABLE TO THE KEY EMPLOYEE. TRAVEL FOR COMPANIONS RELATED TO TRAVEL FOR A SPOUSE. THIS AMOUNT WAS TREATED AS TAXABLE TO THE BOARD MEMBER OR EMPLOYEE.

PART I, LINE 4B

JED JACOBSON= $1,141,862 BRENDA LAIRD= $519,111 ADDITIONALLY, DELTA DENTAL PLAN OF MICHIGAN, HAS A SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN (SERP). IN ORDER TO BE ELIGIBLE FOR THE SERP, AN EMPLOYEE MUST BE A SENIOR VICE PRESIDENT OR HIGHER. AN OUTSIDE INDEPENDENT ACTUARY CALCULATES THE VALUE ON AN ANNUAL BASIS. ADDITIONALLY, ALL EXECUTIVES ARE ELIGIBLE FOR A 457(F) PLAN. THIS PLAN IS FUNDED SOLELY BY EMPLOYEE CONTRIBUTIONS. THE INDIVIDUALS ARE VESTED UPON FUNDING THE 457(F) PLAN.

Schedule L IRS990ScheduleL

Form990 Schedule L Part IV Form990ScheduleLPartIV (3 entries)

RelationshipRelationship	Amount Of TransactionAmountOfTransaction	Description Of TransactionDescriptionOfTransaction	Sharing Of RevenuesSharingOfRevenues
COMAR COMAR PC
TERENCE COMAR, DIRECTOR OF DDPMI, IS AN OWNER IN COMAR & COMAR, PC.	164491	HEALTH CARE PAYMENTS	0
RENAISSANCE ENDODONTICS PLLC
TODD ESTER, DIRECTOR OF DDPMI, IS AN OWNER IN RENAISSANCE ENDODONTICS PLLC	381843	HEALTH CARE PAYMENTS	0
JOSEPH C HARRIS DDS
JOSEPH HARRIS, DIRECTOR OF DDPMI, RECEIVES HEALTH CARE PAYMENTS FROM DDPMI	113217	HEALTH CARE PAYMENTS	0

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (9 entries)

IdentifierIdentifier	ExplanationExplanation	Return ReferenceReturnReference
FORM 990, PART VI, SECTION A, LINE 6	DELTA DENTAL PLAN OF MICHIGAN HAS A SOLE MEMBER, RENAISSANCE HEALTH SERVICE CORPORATION.
FORM 990, PART VI, SECTION A, LINE 7A	THE SOLE MEMBER HAS VOTING RIGHTS AND ELECTS DIRECTORS.
FORM 990, PART VI, SECTION A, LINE 7B	THE FOLLOWING ITEMS ARE SUBJECT TO APPROVAL BY THE SOLE MEMBER: IF 10% OF THE ASSETS ARE TO BE SPENT/SOLD OR A NEW PRESIDENT IS TO BE APPOINTED.
FORM 990, PART VI, SECTION B, LINE 11	THE INFORMATION PRESENTED ON THE FORM 990 IS GATHERED BY THE SENIOR TAX ADMINISTRATOR FOR THE ORGANIZATION. THE CFO REVIEWS THE INFORMATION. ONCE APPROVED THE INFORMATION IS GIVEN TO OUTSIDE TAX PREPARERS WHO PREPARE AND REVIEW THE FORM 990. ONCE COMPLETE AN ELECTRONIC COPY OF THE FORM 990 IS PUT ONTO A WEBSITE FOR THE BOARD TO REVIEW. THIS IS DONE BEFORE THE RETURN IS FILED WITH THE IRS.
	THE COMPANY'S VICE PRESIDENT AND GENERAL COUNSEL IS CHARGED WITH REVIEWING AND MONITORING ANY POTENTIAL CONFLICT OF INTEREST TRANSACTIONS. ALL MEMBERS OF THE BOARD OF DIRECTORS, OFFICERS, AND KEY EMPLOYEES ARE REQUIRED TO REVIEW AND EXECUTE A CONFLICT OF INTEREST POLICY. THIS POLICY REQUIRES THAT ANY CONFLICTS OF INTEREST BE DISCLOSED ON AN ANNUAL BASIS, OR AT ANY OTHER TIME THAT THE PERSON EXECUTING THE POLICY BECOMES AWARE OF A SITUATION OR TRANSACTION THAT ACTUALLY OR POTENTIALLY CREATES A CONFLICT OF INTEREST. ALL CONFLICT OF INTEREST DISCLOSURE FORMS ARE INITIALLY REVIEWED BY THE VICE PRESIDENT AND GENERAL COUNSEL. IF A PROHIBITED TRANSACTION WERE IDENTIFIED, THE MATTER WOULD BE BROUGHT TO THE CHAIRPERSON OF THE BOARD FOR FURTHER REVIEW AND APPROPRIATE ACTION. IN THE EVENT OF A CONFLICT OF INTEREST INVOLVING A MEMBER OF THE BOARD OF DIRECTORS, SUCH AS A CONFLICT IN WHICH A MEMBER HAD AN INTEREST, THE MEMBER IS REQUIRED TO DISCLOSE THE POTENTIAL CONFLICT AND ABSTAIN FROM ANY VOTE ON THE MATTER. WHETHER FURTHER PRECAUTIONS ARE REQUIRED (E.G., PROHIBITING THE INTERESTED PARTY FROM ENGAGING IN DISCUSSIONS) WOULD DEPEND UPON THE SPECIFIC NATURE AND BACKGROUND OF THE CONFLICT.	FORM 990, PART VI, SECTION B, LINE 12C
	OUTSIDE COMPENSATION CONSULTANTS ARE USED TO DETERMINE MARKET DATA FOR THE EXECUTIVE POSITIONS AND FOR OTHER OFFICERS AND KEY EMPLOYEES. THE POSITIONS COVERED ARE THE CEO, COO, CAO, CIO, SVP & CFO, AND THE SVP & CSO. THE ORGANIZATION CONTRACTS WITH TOWERS WATSON TO DO A COMPENSATION AND REASONABLENESS ANALYSIS EVERY TWO YEARS. THE FINAL DETERMINATION OF COMPENSATION IS DONE BY THE EXECUTIVE COMMITTEE OF THE BOARD OF DIRECTORS, WHICH IS MADE UP OF INDEPENDENT PERSONS, AND IS BASED ON THE COMPARABILITY DATA PROVIDED BY THE COMPENSATION CONSULTANTS. THE DELIBERATIONS AND DECISIONS REGARDING THE COMPENSATION ARE CONTEMPORANEOUSLY DOCUMENTED IN THE COMMITTEE MINUTES AND APPROVED BY THE BOARD. THE COMPENSATION WAS LAST REVIEWED UNDER THIS PROCESS DURING 2010. THE CONSULTANTS WERE USED IN JANUARY OF 2011.	FORM 990, PART VI, SECTION B, LINE 15
	THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.	FORM 990, PART VI, SECTION C, LINE 19
CHANGES IN NET ASSETS OR FUND BALANCES:	LOSS ON EQUITY IN SUBSIDIARIES -351,148. UNREALIZED GAIN ON FIXED INCOME SECURITIES 121,997. UNREALIZED GAIN ON EQUITIES 7,909,692. PENSION RELATED CHANGES -4,403,238. TOTAL TO FORM 990, PART XI, LINE 5: 3,277,303.	FORM 990, PART XI, LINE 5:
	DELTA DENTAL PLAN OF MICHIGAN IS AUDITED BY AN INDEPENDENT ACCOUNTANT AS PART OF A CONSOLIDATED FINANCIAL STATEMENT ISSUED IN ACCORDANCE WITH GENERALLY ACCEPTED ACCOUNTING PRINCIPLES. DELTA DENTAL PLAN OF MICHIGAN ALSO RECEIVES AN AUDITED FINANCIAL STATEMENT BY AN INDEPENDENT ACCOUNTANT THAT IS PREPARED ON A STATUTORY BASIS. THE ORGANIZATION HAS A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT AND SELECTION OF AN INDEPENDENT ACCOUNTANT. THIS PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.	FORM 990 PART XII LINE 2C AND 2D:

Schedule R IRS990ScheduleR

Form990 Schedule R Part I Form990ScheduleRPartI

Name Of Disregarded Entity NameOfDisregardedEntity

Field	Value	IRS element (for citing)
Business Name Line1	RENAISSANCE SYSTEMS AND SERVICES LLC	BusinessNameLine1

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	PO BOX 30416	AddressLine1
City	LANSING	City
State	MI	State
ZIP Code	489097916	ZIPCode

Field	Value	IRS element (for citing)
EIN	383638865	EIN
Primary Activities	E-COMMERCE SOLUTIONS FOR DENTISTS	PrimaryActivities
Legal Domicile State	MI	LegalDomicileState
Total Income	8436836	TotalIncome
EOY Assets	1681349	EOYAssets
Direct Controlling Entity NA	N/A	DirectControllingEntityNA

Form990 Schedule R Part II Form990ScheduleRPartII (8 entries)

Address Line1AddressUS/AddressLine1	CityAddressUS/City	StateAddressUS/State	ZIP CodeAddressUS/ZIPCode	EINEIN	Primary ActivitiesPrimaryActivities	Legal Domicile StateLegalDomicileState	Exempt Code SectionExemptCodeSection	Public Charity StatusPublicCharityStatus	Direct Controlling Entity NADirectControllingEntityNA	Controlled OrgControlledOrg	Business Name Line1DirectControllingEntityName/BusinessNameLine1
RENAISSANCE HEALTH SERVICE CORPORATION
PO BOX 30416	LANSING	MI	489097916	381675667	PROMOTING DENTAL CARE	MI	501(C)(4)	N/A	N/A	0
DELTA DENTAL PLAN OF OHIO
PO BOX 30416	LANSING	MI	489097916	310685339	PROVIDE DENTAL SERVICE PLANS	OH	501(C)(4)	N/A	N/A	1
DELTA DENTAL PLAN OF INDIANA
PO BOX 30416	LANSING	MI	489097916	351545647	PROVIDE DENTAL SERVICE PLANS	IN	501(C)(4)	N/A	N/A	1
DELTA DENTAL OF TENNESSEE
PO BOX 30416	LANSING	MI	489097916	620812197	PROVIDE DENTAL SERVICE PLANS	TN	501(C)(4)	N/A		1	RENAISSANCE HEALTH SERVICE CORPORATION
DELTA DENTAL FUND
PO BOX 30416	LANSING	MI	489097916	382337000	SUPPORT DENTAL EDUCATION AND RESEARCH PROGRAMS	MI	501(C)(3)	11A TYPE II	N/A	1
DELTA DENTAL OF NEW MEXICO
PO BOX 30416	LANSING	MI	489097916	850224562	PROVIDE DENTAL SERVICE PLANS	NM	501(C)(4)	N/A		1	RENAISSANCE HEALTH SERVICE CORPORATION
DELTA DENTAL OF KENTUCKY
PO BOX 30416	LANSING	MI	489097916	610659432	PROVIDE DENTAL SERVICE PLANS	KY	501(C)(4)	N/A		1	RENAISSANCE HEALTH SERVICE CORPORATION
DELTA DENTAL OF NORTH CAROLINA
PO BOX 30416	LANSING	MI	489097916	561018068	PROVIDE DENTAL SERVICE PLANS	NC	501(C)(4)	N/A		1	RENAISSANCE HEALTH SERVICE CORPORATION

Form990 Schedule R Part III Form990ScheduleRPartIII (4 entries)

Address Line1AddressUS/AddressLine1	CityAddressUS/City	StateAddressUS/State	ZIP CodeAddressUS/ZIPCode	EINEIN	Primary ActivityPrimaryActivity	Legal Domicile StateLegalDomicileState	Business Name Line1DirectControllingEntityName/BusinessNameLine1	Predominant Income TypePredominantIncomeType	Disproportionate AllocationsDisproportionateAllocations	General Or Managing PartnerGeneralOrManagingPartner
SUITE 244 PARTNERS LLC
240 VENTURE CIRCLE	NASHVILLE	TN	37228	203643584	HOLDS THE LEASE TO SUITE 244 AT LP FIELD (TITANS STADIUM)	TN	FORE HOLDING CORPORATION	N/A	0	0
LIQUID CORN LLC
240 VENTURE CIRCLE	NASHVILLE	TN	37228	203349680	OWNS SUITE 244	TN	FORE HOLDING CORPORATION	N/A	0	0
PREMIER INSURANCE SERVICES LLC
240 VENTURE CIRCLE	NASHVILLE	TN	37228	113662057	INSURANCE BROKER	TN	FORE HOLDING CORPORATION	N/A	0	0
DENTAL CHOICE PROPERTIES LLC
10100 LINN STATION RD SUITE 700	LOUISVILLE	KY	40223	610659432	REAL ESTATE HOLDING COMPANY	KY	DELTA DENTAL OF KENTUCKY	N/A	0	0

Form990 Schedule R Part IV Form990ScheduleRPartIV (10 entries)

Address Line1AddressUS/AddressLine1	CityAddressUS/City	StateAddressUS/State	ZIP CodeAddressUS/ZIPCode	EINEIN	Primary ActivityPrimaryActivity	Legal Domicile StateLegalDomicileState	Business Name Line1DirectControllingEntityName/BusinessNameLine1	Type Of EntityTypeOfEntity
RENAISSANCE HOLDING COMPANY
PO BOX 30381	LANSING	MI	48909	412177193	HOLDING COMPANY	MI	RENAISSNCE HEALTH SERVICE CORPORATION	C
RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA
PO BOX 30416	LANSING	MI	489097916	470397286	INSURANCE	IN	RENAISSANCE HOLDING COMPANY	C
RENAISSANCE HEALTH INSURANCE COMPANY OF NEW YORK
PO BOX 30416	LANSING	MI	489097916	134098096	INSURANCE	NY	RENAISSANCE HOLDING COMPANY	C
TML LLC
4100 OKEMOS ROAD PO BOX 30381	LANSING	MI	489097881	262403888	CLEARING HOUSE	MI	RENAISSANCE HOLDING COMPANY	C
RENAISSANCE HEALTH NETWORKS
4100 OKEMOS ROAD PO BOX 30381	LANSING	MI	489097881	113774096	PPO NETWORK	MI	RENAISSANCE HOLDING COMPANY	C
RENAISSANCE DENTAL NETWORK LLC
4100 OKEMOS ROAD PO BOX 30381	LANSING	MI	489097881	421749772	PPO NETWORK	MI	RENAISSANCE HEALTH NETWORKS LLC	C
DENTAL WELLNESS NETWORK LLC
1540 W EDGEWOOD SUITE B	INDIANAPOLIS	IN	46217	010862825	PPO NETWORK	MI	RENAISSANCE HEALTH NETWORKS LLC	C
FORE HOLDING CORPORATION
240 VENTURE CIRCLE	NASHVILLE	TN	37228	204116122	EMPLOYEE BENEFITS	TN	DELTA DENTAL OF TENNESSEE	C
DENTAL CHOICE INC
10100 LINN STATION RD SUITE 700	LOUISVILLE	KY	40223	611105118	REAL ESTATE HOLDING COMPANY	KY	DELTA DENTAL OF KENTUCKY	C
DENTAL CHOICE AGENCY INC
10100 LINN STATION RD SUITE 700	LOUISVILLE	KY	40223	611336003	PRIMARY GENERAL AGENCY FOR DDKY & DENTAL CHOICE	KY	DELTA DENTAL OF KENTUCKY	C

Field	Value	IRS element (for citing)
Receipt Of Int Ann Rents Royalties	0	ReceiptOfIntAnnRentsRoyalties
Gift Grant Or Cap Contr To Other Org	1	GiftGrantOrCapContrToOtherOrg
Gift Grant Or Cap Contr Fr Other Org	0	GiftGrantOrCapContrFrOtherOrg
Loans Or Guarantees To Other Org	1	LoansOrGuaranteesToOtherOrg
Loans Or Guarantees From Other Org	0	LoansOrGuaranteesFromOtherOrg
Sale Of Assets To Other Org	0	SaleOfAssetsToOtherOrg
Purchase Of Assets From Other Org	0	PurchaseOfAssetsFromOtherOrg
Exchange Of Assets	0	ExchangeOfAssets
Rental Of Facilities To Other Orgs	0	RentalOfFacilitiesToOtherOrgs
Rental Of Facilities Fr Other Orgs	0	RentalOfFacilitiesFrOtherOrgs
Perform Of Services For Other Orgs	1	PerformOfServicesForOtherOrgs
Perform Of Services By Other Orgs	0	PerformOfServicesByOtherOrgs
Sharing Of Facilities	1	SharingOfFacilities
Sharing Of Paid Employees	0	SharingOfPaidEmployees
Reimbursement Paid To Other Org	0	ReimbursementPaidToOtherOrg
Reimbursement Paid By Other Org	1	ReimbursementPaidByOtherOrg
Other Transfer To Other Org	0	OtherTransferToOtherOrg
Other Transfer From Other Org	0	OtherTransferFromOtherOrg

Transactions Related Orgs Table TransactionsRelatedOrgsTable (11 entries)

Transaction TypeTransactionType	Amount InvolvedAmountInvolved	Method Of Amt DeterminationMethodOfAmtDetermination
DELTA DENTAL OF TENNESSEE
K	3197004	ACTUAL COST
DELTA DENTAL PLAN OF OHIO
K	19223876	ACTUAL COST
DELTA DENTAL PLAN OF INDIANA
K	5547932	ACTUAL COST
RENAISSANCE HEALTH SERVICE CORPORATION
K	125000	ACTUAL COST
DELTA DENTAL FUND
K	169000	ACTUAL COST
RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA
K	6059713	ACTUAL COST
DELTA DENTAL PLAN OF NEW MEXICO
K	967971	ACTUAL COST
DELTA DENTAL OF KENTUCKY
K	150867	ACTUAL COST
RENAISSANCE HEALTH INSURANCE COMPANY OF NEW YORK
K	53851	ACTUAL COST
DELTA DENTAL OF NORTH CAROLINA
D	4050000	ACTUAL COST
DELTA DENTAL FUND
B	592000	ACTUAL COST