The PCCA and outside vendors have worked to provide an independent source of benefits, retirement, insurance, and HR services for the benefit of its independent owner/operators outside of its function as Franchisor. All benefits, HR, retirement and insurance decisions, and sourcing are the responsibility of the franchisees. A franchisee’s decision as the employer whether or not to participate in the benefits and services provided is solely the franchisee’s decision. Neither the PCCA, its subsidiaries, nor any outside vendors are fiduciaries with respect to such decision.