When I was younger, my favorite hobby was collecting baseball cards. I’d venture to the local comic book store to pick up some packs and I would cherry pick the rookie cards from the rest of the lot. I would collect the rookie cards which I thought would increase in value, rather than the common cards of bench players. These days, I collect good third party administration (TPA) firms so I can refer my client’s retirement plans to them. There is a tremendous value of a good TPA, so I need to cherry pick them from the batch of average or below average TPA firms. Somehow, a good TPA firm is a lot more valuable than a 1988 Donruss Gregg Jefferies Mets rookie card.