John's employer offers a qualified 401(k) plan and will match John's contributions up to a limit of 3% of his salary. John's salary is $20,000 and he contributes 3% the first year. Assuming that all contributions are made at the end of the year, the plan earns a 15% pre-tax return, and that John is in the 28% tax bracket, how much will he have in the plan at the end of one year? What is John's realized rate of return?