Marcia is a participant in her law firm's defined benefit plan. Marcia, who is an attorney, is $44$ years old and earns $$150,000.$ She has four years of service for purposes of the plan and has worked at the firm for four years. The plan provides a benefit of $1\%$ for the first three years of service and a benefit of $1\mathrm{.}5\%$ for all additional years of service. The plan has the least generous

vesting schedule possible. Almost eighty percent of the accrued benefits are attributable to the two

equal owners, Clark and Nicole, who have been working at the company for decades. If Marcia

were to leave, what percent of her salary $($as defined by the plan$)$ could she expect to receive at

normal retirement?

$3\mathrm{.}6\%.$

$4\mathrm{.}8\%.$

$5\mathrm{.}5\%$

$6\mathrm{.}4\%$