Depending on your company, your employer may offer different benefits packages and retirement plans. One less familiar type of plan you may encounter is an employee stock ownership plan (ESOP). If you haven’t dealt with these before, you’ll understandably have some questions when your employer offers you one. Nearly 14 million people in the U.S. currently participate in an ESOP across various industries and company sizes. However, like any other type of benefits package, these plans aren’t ideal for everyone. They can be highly beneficial in some circumstances but may not be as attractive in o…