Bigfinn is a high-tech company with a very generous non-contributory disability income insurance plan for its 200 employees. The group disability insurance provides a minimum waiting period and the highest income replacement. Bigfinn has a very high rate of claims, and a high premium that the company can no longer afford. What factor could be affecting the situation at Bigfinn that is reflected in its premiums? a) The claims adjudication process. b) The insurance plan design. c) The number of members in the group. d) The insurance funding formula