If John Smith had fully taken advantage of his employer's $401k$ plan and company match, what would be his current $401k$ balance based on his historical $($last five years$)$ salary and contributions? Assume that John made the maximum contribution every year, with a $6\%$ annual return compounded annually. Second part, what would be his current $401k$ balance, had he taken more risk and achieved an annual return of $10\%?$