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>> $130K in ESOP stock
Sorry. I'm not up to date with my acronyms. Does this stand for Employee Stock Option Plan?<<

Yes is does... but they are not options you can exercise when the price is right. You are thinking of the stock options small startup companies give desired employees to make them rich before they retire.

They are stock given to you by your employeer to help fund your retirement. There is usually a 5-7 year vesting schedule. The stock is yours, but it is a tax-defferred plan. You can't touch the stock until after 59-1/2 years of age and retirement. Once you get it and sell it, you pay income taxes on the proceeds.
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