Which of the following factors are desirable when an employee is seeking deferral of a portion of current compensation by means of an informally funded nonqualified deferred-compensation plan? 1. The employee's tax bracket will be lower after retirement. 2. The employee enjoys a strong personal current financial position. 3. The employer is in a strong financial position. 4. Assets used to fund the plan are irrevocably committed to the employee. 1,2,3, and 43 3 and 4. 1 and 2 1. 2 , and 3