The following question was asked on the World at Work discussion board.
"Hi there, I wonder if anyone has seen an ESPP plan design whereby the employee can elect to suspend participation: suspend means that all deductions to date are kept in a bucket, no more deductions are taken & at the end of the period, go toward the purchase of stock. Whereas withdrawal means that the deductions to date are refunded & no stock are purchased at all. Are these common methods? Thanks so much for thoughts & opinions."