You purchased $1000$ shares of stock in Cumberland Software for $$3$ per share on January $1,2016.$ You received $6$ cents per share annually in dividends. On December $31,2019,$ you sell all your shares of Cumberland Software for $$16\mathrm{.}75$ per share. Brokerage commissions are $5\%$ of the total transaction value when buying and selling. $(1)$ What has been your total cumulative return $($in percent$)?(2)$ What has been your average annual return?