"[T]he federal government should limit 401(k) investment in company stock to 15 percent of total holdings.... Second, the federal government should allow early diversification for workers who are participating in an ESOP that requires wage and benefit concessions or when the employer does not contribute to another retirement vehicle, such as a 401(k).... Third, the federal government should strengthen its oversight to ensure that companies correctly value stock that is being sold to workers."  MORE >>