4. An employer uses a top 3 years average formula to determine retirement payments. To be eligible an employee must work a minimum of 5 years. The maximum amount of years an employee will be credited with is 30 years. The annual retirement payout is 2% of an employees' top 3 yrs average salary times years worked. Calculate the retirement payment. years worked avg salary 28 $40,000 33 $200,000 42 $200,000