I'm just leaving college with a master's in electrical engineering and $9,212.13 in student debt (not perfect but MUCH better than many of my classmates.) I'm starting a job in June at an employee owned company that has an ESOP. They match 4% into my 401k, provide up to 5% discretionary into the 401k (I'm told it's been 10 years since it was less than 5%) and they put 9% into the ESOP. I'm starting out 100% vested. My question is how do I factor in the ESOP into my retirement planning? How do I find out what kind of interest rate it has averaged historically?