We operate a program that pays businesses $5070 ($195 a week) every half a year per student they hire. We hire 10 students minimum for half a year and 90 minimum for 4.5 years. We have a budget of $1 million, which we are to spend over 0-5 years at a rate of return of 5%. With the business information systems department receiving $200k, marketing $100k, accounting $100k and finance $100k to operate this program and incentive costs, how much is the rate of return?