John Quincy earns $200,000 and his defined benefit pension plan with Portable Electronics ine. has a funding formula equal to 2%x years of service x final salary. John has completed 20 years of service with the company. What would be John's annual retirement benefit if he retired today and the plan did not provide integration with Social Security? $195,000 $0 $200,000 $80,000 $40,000