Which statement below is most accurate with respect to contribution rates?

Group of answer choices

Someone who is saving 12% per year (with no employer match) in a 401(k) has met their annual goal.

Someone who is saving 12% per year in a taxable account has met their annual goal.

Someone who is saving 10% per year (with a 5% employer match) in a 401(k) has met their annual goal.