Stock-based Compensation
The Company’s 2017 Stock Plan (the “2017 Plan”) provides for granting stock options and restricted stock awards to employees, directors, contractors and consultants of the Company. A total of 3,182,335 shares of common stock are authorized to be issued pursuant to the 2017 Plan. As of December 31, 2025, there were 2,739,261 shares available for future grants under the 2017 Plan. Since August 2019, the Company has not granted, and in the future does not intend to grant, awards under the 2017 Stock Plan.
The Company’s 2019 Omnibus Stock Incentive Plan (the “2019 Plan”) provides for granting stock options and restricted stock awards to employees, directors, contractors and consultants of the Company. A total of 5,760,778 shares of common stock are authorized to be issued pursuant to the 2019 Plan. On August 19, 2024, the Company's shareholders approved an amendment to the 2019 Plan that increased the share reserve of the 2019 Plan by 1,600,000 shares from 5,760,778 shares to 7,360,778 shares. On August 20, 2025, the Company's shareholders approved an amendment to the 2019 Plan that increased the share reserve of the 2019 Plan by 1,300,000 shares from 7,360,778 to 8,660,778 shares.
As of December 31, 2025, there were 596,258 shares available for future grants under the 2019 Plan.
Restricted Stock Awards
SharesWeighted Average
Grant Date
Fair Value
Nonvested at December 31, 20231,766,417$10.01 
Granted590,0022.40 
Vested(1,535,536)(9.33)
Forfeited(274,230)(7.97)
Nonvested at December 31, 2024546,653$4.72 
Granted— — 
Vested(348,074)4.59 
Forfeited(63,998)8.95 
Nonvested at December 31, 2025134,581$2.88 
At December 31, 2025, the total unrecognized compensation related to unvested restricted stock awards granted was $0.2 million which the Company expects to recognize over a period of approximately 15 months.
Restricted Stock Units
SharesWeighted Average
Grant Date
Fair Value
Nonvested at December 31, 20232,191,297$4.94 
Granted2,049,983 2.02 
Vested(935,943)(4.95)
Forfeited(286,963)(4.25)
Nonvested at December 31, 20243,018,374 $3.02 
Granted1,727,471 1.03 
Vested(2,168,287)2.72 
Forfeited(529,468)2.62 
Nonvested at December 31, 20252,048,090 $1.36 
During 2022, the Company commenced granting restricted stock units to employees and agents.
At December 31, 2025, the total unrecognized compensation related to unvested restricted stock units was granted was $1.4 million which the Company expects to recognize over a period of approximately 13 months.
Stock Option Awards
A summary of stock option activity under the 2017 Plan and 2019 Plan is as follows:
Stock OptionsOptions
Outstanding
Weighted
Average
Exercise Price
Weighted
Average
Remaining
Contractual
Term in
Years
Aggregate
intrinsic value
(in thousands)
Balance at December 31, 2023147,707$11.87 9.32$— 
Granted— — — — 
Exercised— — 
Forfeited— — — 
Balance at December 31, 2024147,707$11.87 9.32— 
Granted— — — 
Exercised— — — 
Forfeited(103,711)8.22 9.67— 
Balance at December 31, 202543,99620.46 4.23— 
Options exercisable at December 31, 202543,996$20.46 4.23$— 
There were no options granted in the year ended December 31, 2025. At December 31, 2025, all stock option awards were vested and all related compensation expense had been recognized.
Stock based compensation related to the Company’s 2019 Plan is reported within the consolidated statement of operations as follows (amounts in thousands):
Year Ended December 31,
20252024
Commission and service costs$1,724 $3,739 
General and administrative1,945 4,918 
Marketing35 182 
Total stock-based compensation$3,704 $8,839 
The Company did not capitalize any stock-based compensation expense associated with the cost of developing software for internal use during the years ended December 31, 2025 and 2024.

Historical Timeline

Fiscal YearFiled
2025Mar 30, 2026Showing above
2024Mar 28, 2025
2023Mar 19, 2024
2021Mar 9, 2022
2020Mar 24, 2021

About Stock Compensation Disclosures

Stock-based compensation disclosures detail the equity awards granted to employees and executives — including stock options, restricted stock units (RSUs), and performance shares — along with the valuation methods and assumptions used to expense them. This section reveals the true cost of talent retention and the alignment between management incentives and shareholder interests.

Key signals: total unrecognized compensation expense and its expected recognition period signal future earnings headwinds from already-granted awards. For stock options, examine Black-Scholes assumptions — expected volatility, risk-free rate, and expected term — as understating any of these reduces reported compensation expense. Compare stock compensation expense as a percentage of revenue against peers to assess dilution cost. Watch vesting schedules for acceleration clauses tied to change-of-control events. Performance-based awards with undemanding targets may indicate weak governance. Add back stock compensation to operating cash flow to calculate a more conservative free cash flow figure.