Suppose that an insurance company covers an organization with members from two population groups: healthy and sick. The healthy population group averages $2,000 in healthcare expenditures annually while the sick population group averages $50,000 in expenditures. If the insurance company believes 90% of the organization consists of healthy individuals, what is the average expected spending for the members? If the health insurance company adds a 10% loading factor onto the average costs to cover administrative expenses, what is the average charge per person for the organization?