The Oligarchy Property Management Compony has been in business for five years and has 23 full-time employees, including the management staff. There is a staff turnover of two three employees every year, on average. The company took out a group benefits plan three years ago but has not been satisfied with the turnaround time or success rate of daims management by the insurance company providing the plan. Oligarchy has approached a new agent for a competitive quote for a new group plan and the agent has, in turn, approached his principal insurer. What method is the insurance company most likely to employ in quoting premium rates for the prospective new plan? a) Manual rating. b) Experience rating. c) Blended rating. d) Credibility rating