An insurance company compensates its work teams by awarding an annual bonus based on three factors: productivity, customer satisfaction, and quality of work. In one of its teams, four members came up with a way to speed up claims payments that, in turn, boosted customer satisfaction and productivity and also satisfied quality goals. In this situation, is a bonus for the entire team justified? How can the insurance company make sure that free-riders (low performers) don't benefit from the productivity of others in the group, and those who do the most work will be rewarded appropriately?