Prydain Pharmaceuticals is reviewing its employee healthcare program. Currently, the company pays a fixed fee of $300 per month for each employee, regardless of the number or dollar amount of medical claims filed. Another health-care provider has offered to charge the company $100 per month per employee and $30 per claim filed. A third insurer charges $200 per month per employee and $10 per claim filed. Which health-care program should Prydain join? How would the average number of claims filed per employee per month affect your decision?