what is a ksop 
a ksop is a qualified retirement plan that combines an employee stock ownership plan esop with a 401 k it is essentially an esop that operates within a 401 k as such ksops are offered by employers to their employees companies that offer these plans match employee contributions with stock rather than cash ksops are considered defined benefit plans as companies that offer them can reduce the administrative expenses of operating separate esops and 401 k plans 