32-year-old Morgan is considering making a one-time contribution to either a traditional 401(k) plan or to a Roth 401(k) plan. She plans to withdraw the account balance when she retires in 40 years. Morgan expects to earn a 7% before-tax rate of return which either plan. Which of the following statements is true? Multiple Choice If Morgan's marginal tax rate in the year of contribution is higher than her marginal tax rate in the year of distribution, she will earn a higher after-tax rate of return on the traditional 401(k) plan than on the Roth 401(k) plan. If Morgan's marginal tax rate in the year of contribution is lower than her marginal tax rate in the year of distribution, she will earn a higher after-tax rate of return on the traditional 4010) plan than on the Roth 401(k) plan. Morgan will earn the same after-tax rate of return no matter which plan she chooses. Morgan is not allowed to make a one-time contribution to either plan