An employee contributes 9 percent of his salary to his 401(k) plan and the employer matches with 40 percent of the first 6 percent of the employee's salary. The employee earns $90,000 and is in a 28 percent tax bracket. If the employee earns 10 percent on the plan investments, what is his one-year rate of return relative to the net amount of money he invested? 93.52% 96.85% 90.25% 95.55%