Christopher Gergen

Cash
401(K) 2012 / Flickr Creative Commons

A recent Assets and Opportunities scorecard released by the Corporation for Enterprise Development shows North Carolina lagging behind other states in providing a stable financial landscape for asset building and growth.

The scorecard examined 67 factors in areas of healthcare, wealth building and financial opportunities. The shortcomings are even worse for the state's minority citizens.

Publix is one company with an employee stock ownership plan.
Mike Kalasnik / Flickr Creative Commons

In many workplaces, "the boss" is a board or group of investors.

But in a growing number of businesses, employees are taking ownership. Some use an employee stock ownership plan, or ESOP, and others use a cooperative structure.

 For companies like Southwest and Publix Super Markets, employee engagement is critical because employees are the bosses. The structure can also offer tax incentives.