The Silent Danger

$24.99

In The Silent Danger, 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.

In The Silent Danger, 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 greatest threat in your health plan isn’t what you see—it’s what you don’t.
In The Silent Danger, insurance expert Frank Pennachio reveals the hidden fiduciary risks embedded in self-funded health plans—risks that can jeopardize your organization’s stability and even your personal assets.

With increasing regulation and rising healthcare costs, many plan sponsors are unaware of the complex obligations they face—until it’s too late. This practical guide helps employers, brokers, and HR leaders avoid costly mistakes, navigate compliance, and protect their organizations with confidence.

Inside you’ll learn:

  • What fiduciary duties under ERISA really mean

  • Common self-funding mistakes involving PBMs, networks, and TPAs

  • Why “level-funded” plans may not be as safe as they seem

  • How to select and monitor vendors with proper oversight

  • How to prepare for audits and implement strong compliance programs

Includes 13 actionable checklists to help you assess and strengthen your health plan today.