Shame on McDonalds

McDonald's is talking about dropping their health insurance option for low wage earners, citing high administrative costs.
A couple things:
This quote doesn't make any sense:  "caps annual benefits at $2,000, or about $32 a week to get coverage up to $10,000 a year"  Annual benefits =2k & yearly 10k?  Isn't this redundant?
Either way it's a crappy plan.  If it doesn't cover a major medical issue, like coming down with cancer or something, what's the point?  Seems to me most people would be better off buying a health plan with a high deductible and then paying their own expenses below a certain level.  But low income people would have difficulty affording the low cost/maintenance health care.
And the high administrative costs quoted in the article are in my relatively informed position not very competitive.  I believe Medicaid has something like a 4% administrative cost.  "Obama Care" is requiring a "80 to 85% payout ratio."  McDonalds says they can't make this because of the high employee turnover & low # of claims.  My personal opinion on this is that that payout ration could easily be obtained by implementing some efficiencies.  Like automating the claims process and the sign up procedure.  A mind boggling number of efficiencies need to be implemented within the medical community in general.  And those entities that have been progressive enough to try new ideas have enjoyed great rewards.  Both in terms of customer service and profits.  The average expenditure for administrative costs, depending on various factors such as how these costs are defined, range from 7 to 26% for employer plans  (LinkHere).  And not-for-profit entities (i.e. many Blue Cross / Blue Shield insurers) have an even lower level of admin costs.  And to quote the same article again (LinkHere), "size matters."  Newsflash:  McDonald's is big.  Big enough that they could even administer their own health plan.  But that would be out of their comfortable little box.
Gee, what a shame.  Maybe if they were a better quality employer they wouldn't lose so many employees.  Look at the example of In&Out Burgers.  They pay much better than McDonald's & have great benefits.  And, surprisingly, they have a much lower turnover rate!  Why do you suppose that is?  And In&Out is EXTREMELY popular & successful.  McDonald's is just stuck in a mindset that puts their lower wage employees in a pre-defined category and they are unwilling to explore other "Progressive" (evil word) ideas and methodologies.