Elizabeth, who turns age 60 this year, has been a participant in the ADM, Inc. ESOP for 22 years. The normal retirement age of the ESOP is 65 years old. If Elizabeth's ESOP account balance is comprised of ADM stock valued at $4,000,000 and considering that Elizabeth has not elected to diversify any amount prior to the current year, ADM must allow Elizabeth to diversify at least $1,000,000 (the value of 25% of the total shares contributed) of her ESOP account balance True False