Leonard manages a tech start that has been operating for three years. TheHidecompany recently expanded to $35$ employees but experiences frequent staff changes due to a competitive industry. Leonard is considering adjustng their group insurance plan and wants to know if maintaining a lower premium is feastle by switching insurers or renegotiating their current plan. The teami's claims history has been moderately stable, yet the industry is known for high stress and long hours.What advice should Leonard receive regarding their situation?Select one:O a$.$ The frequent turnover may allow for negotiations leveraging potentaly younger, lower$-$risk employees, which could reduce premium ratesO b$.$ The tech industry high$-$stress environment justifies the higher premiums, making it unlikely that a new insurer or negotiation would lower the costs significantly. Changing insurer can lead to additional costs due to contractual obligations and market volatility.O c$.$ Switching insurers every couple of years can maintain low premiums by continuously comparing and securing the best offers in the compettive insurance market.O d$.$ The stable claims history should enable significant premium reductions with either the current insurer or new insurers, regardless of industry riskperceptions.