The difficulty some see in the plan is that you have to wait until retirement to receive the benefits and that is a long time for Gen Y employees to see into the future. Robert J. Larison, president of Atlantic Coast Bank in Waycross, Georgia, said, "We lose people to non-employee stock option plans banks all the time. They go across the street for s 5,000 a year more in salary when they might have been awarded a s15,000 or $20,000 vesting in their EsoP that year.