Frank Pennachio
ABOUT THE AUTHOR
INSURANCE INDUSTRY VISIONARY & THOUGHT LEADER
With more than three decades of experience in the insurance industry, Frank Pennachio has built a reputation for challenging conventional practices and driving meaningful innovation.
His career spans agency ownership, production, consulting, and professional training. He has advised employers, agencies, carriers, associations, and technology companies on operational efficiency, fiduciary exposure, regulatory trends, and structural risk within self-funded health plans.
As the author of The Silent Danger, Frank shines a light on the overlooked liabilities that many employers unknowingly assume. His work focuses on making complex fiduciary issues understandable — and actionable.
Frank’s insights are widely published and regularly shared at leading industry events nationwide. He remains committed to elevating transparency, accountability, and strategic leadership within the insurance marketplace.
Lead With Clarity. Operate With Confidence.
Gaffney Hill Publishing
Elevating Industry Accountability Through Education
Gaffney Hill Publishing was founded to advance transparency, accountability, and informed decision-making within the insurance and employee benefits industry.
Rather than simply publishing content, Gaffney Hill develops educational resources and thought leadership initiatives that challenge outdated assumptions and promote responsible governance.
From books to professional training programs, each offering is grounded in real-world experience and built to address the evolving fiduciary and regulatory landscape facing today’s employers and advisors.
Advance the Conversation. Strengthen the Industry.
Ready to Protect Your Plan—and Yourself?
In The Silent Danger: Understanding Fiduciary Risks in Self-Funded Health Plan insurance expert Frank Pennachio exposes the hidden fiduciary risks in self-funded health plans—threats that can undermine your organization and even put personal assets at risk.
Learn how to avoid common mistakes, meet ERISA obligations, and protect against audits, lawsuits, and costly vendor missteps. With practical guidance and 13 compliance checklists, this essential guide equips employers, brokers, and HR leaders to navigate today’s complex benefits landscape with confidence.
The Silent Danger
Contact Us
We’d love to hear from you.
Have a question about The Silent Danger, bulk orders, speaking engagements, or media inquiries? Please reach out using this form or email us directly.