Employee-owners share directly in the profitability of the company as stockholders, and it doesn't cost you a thing. ESOP accounts can accumulate wealth in different ways: through the cash contribution effective at year-end, the market performance on the daily-valued cash accounts, stock appreciation and quarterly dividends. Over time, these accounts can become an enormous differentiator financially, and the annual contributions incentivize the entrepreneurial and collaborative approach that fuels our success.