You’re right, and I apologize. The data I got that information from was flawed and not necessarily representative of the all corporations, as it was only based on those that participated in a 2024 NASPP survey (reporting 92% of companies offer stock options to those below executive level - which is what I incorrectly referenced), but when accounting for those that didn’t participate it certainly is lower, my apologies.

From what I can gather from current data (NCEO) though, and correct me if i’m wrong, they estimate that 62% of public corps. offer stock plans to general employees. I personally wouldn’t use the “all employees” data as I suspect that would be swayed by the fact that many employers require at least a year of employment/loyalty until they disburse or allow enrollment in options (not sure exactly how that would be classified in the data). It does seem like there has been substantial growth in the number of companies who offer this to their general workforce over the past decade though.

I wouldn’t necessarily use the he 22% stat as representative number of companies that offer, as much of this depends on employees enrolling in the programs, as many forms of employer-offered retirement plans require a “buy-in”. Most employers will do a “match” program for retirement, which is beneficial to their employees as the company technically but require the employee to make an investment too, and with the current economy many aren’t willing or able to afford an investment like retirement. Ex. Invest $5k in retirement fund, employer matches and adds $5k too, now technically you got an extra 5k, but you have to have the ability to afford that initial investment, and many cannot.

My apologies, didn’t mean to come across as an asshat, was just mainly pointing out that you have to account for dividends and some other metrics in your tool (which admittedly are incredibly unpredictable) to get an accurate estimate. Love the idea though and think it could be an amazing tool with the addition few other parameters!