Table: How to Fix Them
-- Don't let companies match 401(k) contributions with shares in an ESOP, because such shares are locked up until age 50.
-- Bar companies from requiring workers to buy company stock. If a company gives stock as a match, allow employees to sell a year after vesting.
-- Educational materials and plan statements should point out the risks of concentrating narrowly in company stock.
-- Company-sponsored investment advisers should be required to assess an individual employee's risk of overconcentration in company stock.