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Retirement Planning
Chapter 6: Stock Bonus Plans & ESOPs/AVANTAGES AND DISADVANTAGES OF ESOPs
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Chapter 6: Stock Bonus Plans & ESOPs

AVANTAGES AND DISADVANTAGES OF ESOPs

01.Core Concepts

DISADVANTAGES ADVANTAGES • Dilutes ownership • Costs (admin, payouts, appraisals) • No SS integration • Creates a market • Helps EE retention and loyalty • Improve cashflow Employer • Bears risk of ER insolvency • Value subject to appraiser • Not liquid • Creates ownership • NUA • Put option Employee EE = Employee; ER= Employer