Under an insurance policy, a maximum of five claims may be filed per year by a policyholder. Let pn be the probability that a policyholder files n claims during a given year, where n = 0, 1, 2, 3, 4, 5. An actuary makes the following observations:
(i) pn ≥ pn+1 for 0 ≤ n ≤ 4.
(ii) The difference between pn and pn+1 is the same for 0 ≤ n ≤ 4.
(iii) Exactly 40% of policyholders file fewer than two claims during a given year.
Calculate the probability that a random policyholder will file more than one claim during a given year.