A book titled "The Silent Danger" by Frank Pennachio, standing upright on top of two other copies of the same book lying flat. The cover shows a frayed rope with a knot against a dark background.

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THE SILENT
DANGER

UNDERSTANDING FIDUCIARY RISKS IN SELF-FUNDED HEALTH PLANS

by FRANK PENNACHIO

What you don’t know about your health plan could cost you everything.

Frank Pennachio

ABOUT THE AUTHOR

INSURANCE INDUSTRY VISIONARY & THOUGHT LEADER

With over three decades of shaping transformative experiences in the insurance industry, Frank Pennachio is one of the sector’s most influential voices. A former agency owner, seasoned producer, strategic consultant, and dynamic trainer, Frank brings unparalleled insight to every engagement.

He has carved out a distinctive niche advising employers, independent agencies, carriers, agent associations, and technology companies—offering deep expertise across insurance operations, market dynamics, and emerging industry challenges.

Recognized nationally as a thought leader, Frank’s perspectives regularly influence industry discourse through widely read articles, high-profile conference presentations, and strategic guidance. His work is essential reading for those navigating today’s complex benefits landscape.

As the industry evolves, Frank Pennachio remains a trusted guide—helping organizations transform, innovate, and meet the demands of an ever-changing market.

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