In right triangle \triangle A C E, we have A C=12, C E=16, and E A=20. Points B, D, and F are located on \overline{A C}, \overline{C E}, and \overline{E A}, respectively, so that A B=3, C D=4, and E F=5. What is the ratio of the area of \triangle B D F to that of \triangle A C E ?
Answer Choices
A. \dfrac{1}{4}
B. \dfrac{9}{25}
C. \dfrac{3}{8}
D. \dfrac{11}{25}
E. \dfrac{7}{16}