Well there are two effects drastically changing the SF employee demographic, and i dont mean by how they look but what kind of worker.
For the last what, 10 years, SF has been using aggressive attrition methods to shrink their workforce, rather than doing a selective termination process. That would be bad PR, however, SF would be able to choose to keep the best workers. Using attrition the BEST workers leave because they can go elsewhere. This concentrates the mediocre, stuck in cruise control, employees that will stick around until you fire them.
Pair this concentrating effect of the "you can get a job elsewhere if you need" and "just be happy you have a job" methods of treating current employees, with who they hire....and the culture they see when they hit the floor (manipulating silly metrics instead of doing good work, flying under the radar, kicking the can whenever possible ect) and you get a company that has been very aggressively turning a company full of compassionate workers doing their best, into metric manipulators because metrics are the only thing that matter.
Its why claims is getting worse not better. SF is losing its core stock of top end claim handlers, before they even get to a decent position. Most leave as a CA within a year or two to go on and have careers at your competition, which is why they gain % and we lose %. You can buy a minimum limit non-standard company to pad market share, and slash rates to compete with bargain brands all you want....bottom line in 5-10 year there will be very few people carrying the weight of many at SF and the company will suffer long term for it.