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 members. Benefits, HR, retirement and insurance decisions, and sourcing are the responsibility of the business owners. A business owner’s decision as the employer whether or not to participate in the benefits and services provided is solely the his/her decision. Neither the PCCA, its subsidiaries, nor any outside vendors are fiduciaries with respect to such decision.