Insurer Risk and Maximum Sustainable Benefits

I can compare insurers' Maximum Sustainable Benefits ($MSB_N$) when matching $PI$'s probabilities of: Profits of at least 5%; or Avoiding operating losses. Each constraint produces different $MSB_N$s. Until now, insurers paid identical benefits, to efficient providers, for identical symptoms. But Table 1 Rows 4 and 5, revealed that larger and smaller insurers have different probabilities of earning profits, or avoiding operating losses, than $PI$, so they cannot offer identical benefits and match $PI$'s profitability or loss avoidance performance.