Using the binomial distribution formula, we can calculate the probability of getting zero adults out of five concerned about employers monitoring phone calls:
P(X = 0) = (5 choose 0) * 0.49^0 * (1-0.49)^(5-0) = 0.174
Where "5 choose 0" is the number of ways to choose 0 adults out of 5, equal to 1.
Therefore, the probability of none out of five adults being concerned that employers are monitoring phone calls is 0.174, rounded to three decimal places.