Year-to-date, Yum Brands had earned a 4.20 percent return. During the same time period, Raytheon earned 4.83 percent and Coca-Cola earned 0.58 percent.

The past five monthly returns for PG&E are 3.39 percent, 4.43 percent, 3.99 percent, 6.80 percent, and 3.80 percent. What is the average monthly return? (Round your answer to 3 decimal places.)