The annual outlay over the next decade, even for all three, would average just $3 billion.
Wall Street analysts had been expecting a dividend increase and said that the company could afford the additional $300 million annual outlay.
Only six, all but one of them managers, have taken the offer, and his current annual outlay for insurance is $ l6,248, he said.
The program cost $160 billion last year, and annual outlays are expected to reach $286 billion in the year 2000.
World Bank officials say they expect it to have annual outlays of around $400 million.
The Government's new annual outlay would then be only $600.
The program envisages annual outlays of a similar amount for a decade.
The review covered 30 programs with an annual outlay of some $800 million.
While this can lower the annual outlay for a weapon system, it ultimately raises its overall cost.
Membership in the club, which means an annual outlay by the company of about $3,500 an opening, gives employees the $95 to $180 monthly discount.