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Home » What Happens If I Don’t Participate in My ESPP?

What Happens If I Don’t Participate in My ESPP?

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TL;DR: Not participating in your Employee Stock Purchase Plan (ESPP) or only minimally participating can mean missing out on potentially significant financial gains. On average, employees who fully utilize their ESPP with Benny gain an extra $3,000 annually. Join hundreds of employees already using Benny to earn more without affecting their take-home pay.

Make More Money from your ESPP with Benny’s New Program

Benny 2.0 helps you manage your Employee Stock Purchase Plan (ESPP) to make you more money without disrupting your take-home pay.

Understanding Your ESPP

Employee Stock Purchase Plans (ESPPs) offer a unique opportunity for employees to invest in their company’s stock at a discounted price. Participation can lead to substantial financial benefits, yet many employees opt out or invest minimally. But what exactly are you missing out on by not maximizing your ESPP?

The Cost of Non-Participation

When you choose not to participate in your ESPP, you’re essentially leaving free money on the table (from the discount). Here’s what you miss:

  • Financial Gains: On average, employees using Benny to maximize their ESPP contributions pocket an extra $3,000 annually. This extra income could go towards your IRA, emergency savings, or paying off student loans.
  • Compounding Benefits: If you hold the stock, participating in an ESPP can lead to compounded earnings over time, particularly beneficial in a rising stock market.

Minimal Participation: Is It Enough?

Even minimal participation, such as contributing just 5% of your paycheck, while better than nothing, still means missed opportunities. With full participation (if you can afford it), your financial gains could be substantially higher, leveraging the full power of your ESPP.

How Does Benny Help?

  • Expert Management: Benny helps you manage your ESPP from forming a game-plan, to coming up with the right contribution amount, finding you funding and any other assistance you may need on your ESPP journey.
  • Unlock Extra Earnings: With Benny, employees across the nation are unlocking (on average) an additional $3K in extra earnings through smarter ESPP management.
  • Invest More: By using resources like Benny, employees have successfully invested in additional financial avenues like IRAs and emergency funds.

Empowering Every Employee

Whether you’re a new hire or a seasoned employee, understanding and utilizing your ESPP can significantly enhance your financial well-being. Here’s how Benny empowers you from day one:

  • Educational Resources: Stay informed with Benny’s insights on ESPP nuances with an ESPP expert at your fingertips.
  • Easy Start: Employees can quickly sign up with Benny and start benefiting from their ESPP immediately.
  • Ongoing Support: Benny’s experts offer continuous guidance to help you adjust your contributions in response to life changes or financial goals.


Choosing not to participate fully in your ESPP is a missed financial opportunity. With tools like Benny, you can maximize your contributions, enhance your financial portfolio, and meet your financial goals sooner. Don’t leave money on the table — make your ESPP work for you.

Make More Money from your ESPP with Benny’s New Program

Benny 2.0 automatically manages your Employee Stock Purchase Plan (ESPP) to make you more money without disrupting your take-home pay.

What is an ESPP?

An Employee Stock Purchase Plan (ESPP) allows employees to buy company stock at a discounted price, usually through payroll deductions. This means you set a % or $ amount and each and every paycheck, a portion of your paycheck is set aside to purchase company stock at certain increments (most often 6 months but each company can do theirs differently). For more insights, visit our overview of ESPPs.