“The average employee needs $140,000 in cash to exercise fully,” Barzilai said. In total he estimates that there is up to $60 billion swimming around in stock options annually among startups, but that more than 55% of that goes unexercised every year. “It’s a big amount that they are losing,” he said of employees who are missing out.

https://techcrunch.com/2021/09/29/equitybee-snaps-up-55m-for-a-marketplace-that-connects-employees-with-capital-to-help-them-exercise-their-stock-options/