Fidelity Survey: Stock Plans Boost Retention and Turn 43% of Workers into First-Time Investors
Fidelity's 2026 survey of over 25,000 workers found company stock plans turned 43% into first-time investors and helped boost retention, with 56% more likely to stay.
Fidelity Investments released its 2026 Stock Plan Participant Research on May 4, based on a global survey of more than 25,000 employees. The study found that 43% of participants became first-time stock owners through their company's stock plan, and 34% of those new investors went on to invest beyond the plan.
The findings suggest equity compensation has become more than a rewards line item. Roughly 78% of participants said their work contributes to their company's success and stock performance, 64% reported a stronger sense of ownership in their organization, and 62% said they work harder knowing company performance affects the value of their equity. Emily Cervino, head of Thought Leadership for Fidelity Stock Plan Services, said equity becomes motivating when employees see how their daily work connects to company performance and their own financial goals.
The survey also highlighted equity's role in financial wellness. About 73% of participants said their stock plan is part of their long-term financial plan, and 61% expect to use equity assets to help fund retirement. Additionally, 58% have used stock plan proceeds for major life events such as a home purchase, education costs, or a wedding or vacation, while 47% have sold shares to cover emergency expenses or debt.
Stock plans are also shaping talent decisions. Nearly two-thirds of employees, or 65%, said stock plan benefits are a consideration when accepting a job, and 56% said they make them more likely to stay with their employer. Half of participants factor stock plan value into their overall pay calculations.
The research found a gap between task-based knowledge and confident decision-making. While 78% of employees understand how to perform tasks such as accepting a grant, only 48% feel confident making informed equity decisions. Fidelity said employees who engage with equity education report higher understanding, confidence, and satisfaction. The company plans to discuss the findings with more than 300 plan sponsors at its 2026 Stock Plan Summit in May.
The survey was conducted from September 16 to October 6, 2025 by ConsumerMetrics, Inc., with 15,905 U.S. and 9,132 non-U.S. participants currently employed in restricted stock, ESPP, or stock option plans.
Source: Fidelity