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.
The greatest threat isn’t what you see—it’s what you don’t.
In The Silent Danger, insurance industry veteran Frank Pennachio uncovers the hidden liabilities within self-funded health plans—risks that threaten your company and your personal assets. With increasing regulation and complex vendor relationships, plan sponsors must act now to understand their fiduciary duties.
What You’ll Learn
Protect yourself with the knowledge no one else is giving you.
The true meaning of fiduciary duties under ERISA
How to avoid corporate and personal asset exposure in plan mismanagement
Selecting and overseeing vendors the right way
Red flags in PBM and administrator relationships
Stop-loss insurance vulnerabilities
The essential role of actuaries
What to expect (and fear) in a Department of Labor audit
13 actionable compliance and management checklists
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.
