As I re-read 3-1, it only requires 5 to begin the game. And if there are no replacements available following a DQ or injury it MUST continue with fewer than five until you get down to 1 player. I'm not sure it is illegal to play with four in a non-injury or DQ situation (of course, it doesnt make much sense to do it) per that section. There is no rule "thou shalt have five players on the floor at all times" except to begin the game. Is there? If not, then there is no penalty for it (except as above, a player is DQd or injured and there is a sub aviailable and they refuse to insert the sub then that is probably a forfeit).
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