While this might sound great at first, it comes with a tangible risk: In a worker-owned enterprise, workers cannot freely sell their stock (or it would not be w

While this might sound great at first, it comes with a tangible risk: In a worker-owned enterprise, workers cannot freely sell their stock (or it would not be worker-owned for long). So their wealth is tied to the company and the value of every stock hinges on the company's long-term success. Imagine going into retirement with this six-year plan to learn that the company goes bankrupt one year later. Of course, there are probably ways to try to minimize the risk (e.g., saving the profits for the payout and keeping them separate from business cash) but it won't be very diverse. Or maybe several such companies could put their stocks in a basket and allow employees to diversify their portfolio. So I think it's a great idea as an add-on, but no one should bet their retirement on it.