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ACNA 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 an Association. All benefits, HR, retirement and insurance decisions, and sourcing are the responsibility of the members. A member’s decision as the employer whether or not to participate in the benefits and services provided is solely the member’s decision. Neither the ACNA, its subsidiaries, nor any outside vendors are fiduciaries with respect to such decision.