Cogent Wealth Reports

Defined contribution (DC) recordkeepers and investment managers are regularly gated from their end customer—DC participants—by plan sponsors, making it incredibly difficult to build deep relationships and serve participants’ holistic financial planning needs. Without input from the end customer, providers have no insight into participants who are likely to make a contribution or plan investment change or how participants’ perceptions of their firm are shaped.

DC Participant Planscape looks at the DC plan participant experience and asks participants the questions your firm can’t ask them. The report benchmarks the top plan providers using critical satisfaction measures and examines the attitudes and perceptions that inform participant planning and investing behavior. Maximize participant contributions and engagement levels, leverage cross-sell opportunities and attract rollover dollars with this report.


The report will enable subscribers to:

Maximize Participant Satisfaction
Uncover the features, offerings and retirement tools participants want from providers to maximize satisfaction and retain assets

Identify Cross-sell Opportunities
Develop successful cross-sell programs and validate participants’ desire for additional contact from plan providers

Attract Rollover Dollars
Identify the factors participants consider when selecting a rollover IRA provider to keep current plan assets in-house and attract new rollover dollars



  • 4,600 DC plan participants actively contributing to a DC plan and/or have at least $5,000 in a former employer’s DC plan
  • Web-based survey
  • Statistically representative sampling using US census data to mirror the engaged participant universe by gender, region, age, education and household income


Subscription Details

Publication Date: July 2018


  • Detailed report including a summary of findings and strategic implications
  • On-site strategy session and presentation designed to deliver actionable results and facilitate strategic planning
  • Custom data cuts and survey work by senior analysts

Investment: $35,000

Areas of Inquiry

Plan Provider Satisfaction and Loyalty

  • Satisfaction with provider relationship across key attributes
  • Drivers of satisfaction with plan provider
  • Current and desired contact with providers
  • Advice and guidance needs for retirement planning
  • Loyalty to current plan provider

Participant Contribution Behavior

  • Length of time contributing to an ESRP
  • Usage of automatic plan features
  • Likelihood to increase contribution amount
  • Ready-to-act participant segment: Likelihood to increase contribution amount and change how plan assets are invested
  • Reasons for decreasing contribution amount

Participant Personal Finance and Investing Behavior

  • Confidence in current financial situation
  • Appeal, usage and barriers to use of specific financial wellness components
  • Use of financial advisor, investment representative
  • Likelihood to leave assets with former plan provider
  • Products and accounts most commonly used for retirement

Cross-sell/Rollover Opportunities

  • Most effective communication method
  • Most common print and online sources for retirement education
  • Awareness of the full range of provider products and services
  • Drivers of consideration of products and services outside the plan
  • Perception of retirement planning services and solutions of top firms
  • Consideration of top providers for rollover IRAs and taxable brokerage accounts

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