Wilmington Trust N.A owes millions after violating retirement plan rules, and members of the employee stock ownership plan (ESOP) community say, “Get used to it.”

The administration seems unlikely to fix things anytime soon.

“Our members want to do the right thing. They just need to know what that is,” ESOP Association spokesman Patrick Mirza said of the 30-plus years that have passed since the Labor Department issued proposed regulations regarding the valuation of ESOP shares.

An ESOP is a...