Fraud-check, Policy-eligibility, and Document-summary are independent specialist activities, so running them concurrently reduces wall-clock time without changing their outputs. The Decision agent is different because the case study states that it depends on the results of those three agents. It therefore must execute only after the independent work completes. Microsoft Agent Framework's concurrent orchestration pattern is designed for independent participants whose results can be fanned in later, while dependency-driven work should remain ordered. Running all four agents concurrently would violate the Decision agent's data dependency. Running all four sequentially would preserve correctness but add unnecessary latency. Disabling memory would also change functionality unrelated to the performance bottleneck. The optimal graph is therefore a parallel fan-out of the three independent specialists followed by a fan-in and Decision step, which preserves behavior while minimizing end-to-end claim-approval duration. In production, add telemetry and regression tests around this behavior so changes to prompts, models, tools, or orchestration do not silently alter the intended contract. The selected approach is the one that best matches the platform's native execution semantics.

Official Microsoft reference: Microsoft Agent Framework - Concurrent orchestration