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Insufficient Bid

Playing in a Regional Swiss, you pick up an uninspiring collection as dealer.  The auction proceeds:

South
985
9876
K3
AQ53
W
N
E
S
P
1
3
1
?

You call the director, and after an away from the table discussion with East, and a consultation with the rule book, he announces that If you refuse to accept the IB, E may either bid 3 or double with no penalty; otherwise West will be required to pass at his next turn.

And your plan is?

Refuse to accept the IB (and your plan over 3, X, and pass would be appreciated)
Accept the IB and pass
Accept the IB and bid 4
Accept the IB and bid 5
Accept the IB and bid something else

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