Top dress by applying it right over the top of the bark. If the compost is 'finished' and you want to incorporate, it would be best to rake up the bark, incorporate the finished compost, and remulch with the bark. Layering it over the bark is easier. It will speed the breakdown of the bark, too, offering additional benefit.
You're probably right. I assumed, since there are a limited number of options (3?), all of which are pretty simple & straightforward and all of which have their +/- as viewed from your own perspective, that you'd reason through it and select the option that best suits your goal(s). Had you mentioned whether 'easier on you in the end' or 'what's best for the plants' was the priority, it might have been easier to be more direct and include some additional ramifications.
My 2 cents: Down here I use a combo of shredded native hardwood mixed with compost as a "living" mulch however when amending with straight compost I pull back the top mulch and scratch it in then pull the top mulch back over the bed. Quality finished compost is chocked full of beneficial microbes and nutrients - they need to be incorporated in the soil or at least applied to the soil surface and recovered with mulch to retain the moisture they need to carry out their job. Happy Gardening!
This is my first year using bark chips as a mulch. Last February I mulched my roses with chipped bark...I have never had such beautiful roses. I once met an accomplished rosarian who had mulched with chips for years. He highly reccomended it.. They are light and easy to spread. I can get my little truck full for 12.50.