Having any independent replace rotors and pads is a crap shoot. Guess you figured that out on your own already. From the view, I can't really tell how much of the 'meat' is hitting the rotor surface itself. If I were to guess, they may have installed a slightly smaller rotor than original. It could as you suggest be the pads being too big. Not knowing your financial situation, if you have the coin, get the dealership install all new hardware. Also, have them throw in a brake flush while they're in there.