Which of the following contributes to the cancellation of group coverage?

The cancellation of group coverage is often influenced by the status of the master contracts that govern the group policy. When a master contract is canceled, it signifies that the group insurance agreement is no longer valid, leading to the termination of coverage for all members under that contract. This termination can occur due to various reasons such as failure to pay premiums, changes in the group composition, or decisions made by the contractual parties.

In contrast, employee relocation, changes in management, or employee retirement typically do not result in the cancellation of the entire group coverage. These situations might alter an individual's coverage status or eligibility, but they do not impact the existence of the master contract overall. As such, the status of the master contract is the crucial factor in determining whether group coverage is canceled, making it the correct answer.