I'm in over my head on this as I have no idea what the "requirements" are for a disconnect, the good thing is that they are not common and are a safety precaution. Thus, I assume the idea behind the disconnect is to alert a client to a poor connection and thus the possibilty that a fill or order may not be recognized.
As for the 4% packet loss you are experiencing - again, I am not an expert - but that seems pretty significant to me and you should talk to your ISP.
If someone is experiencing frequent disconnects, contact the help desk and someone might be able to resolve or help pinpoint the cause.
I'll reiterate that this does not sound like a server issue. There is a team of people constantly monitoring the servers and gateways. Nevertheless, I'll pass along the previous comments to the head of operations.
jester, pass your friend the link to the dslreports I posted earlier. I tweaked my home PC connection and the difference was night and day.