A feature of a defined benefit (DB) plan is that _____. 

 there is no advantage in continuing to work beyond retirement age because a worker's pension does not increase with additional years 

there is no advantage in continuing to work beyond retirement age because employers contribute toward the pension plan 

a worker can work beyond retirement age because DB plans do not impose stiff financial penalties on workers who do not retire on time 

a large share of the funds provided by this plan can be invested by a worker in the stock market to reap extra benefits