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Manage your employees' superannuation

Super support for employers. So you can focus on your priorities

As an MLC customer you have access to the support and services you need to make managing your business super obligations easy.

  • Super choice requirements

    You must provide eligible new employees with a standard choice form within 28 days of starting work. You must act on an employee's choice within two months. If they don’t choose a specific fund, you need to pay their Superannuation Guarantee (SG) contributions into an eligible default fund.

    You can refuse an employee's choice if the requested super fund requires you to become a 'participating employer'.

    An employer is only required to accept one choice of fund from employees in a 12-month period.

    Do you have to provide your employee's Tax File Number (TFN) to the super fund?

    By law, you must pass on an employee's TFN to us within 14 days of you receiving a TFN declaration from them, or from when you make the first contribution payment to us after receiving the TFN, whichever occurs last. If we don't have the employee’s TFN they may:

    • be taxed an additional 34% on their super contributions (including the Medicare Levy and Temporary Budget Repair Levy)
    • be ineligible to make personal contributions, and
    • miss out on any government co-contributions they could be eligible for.


    Superannuation Guarantee (SG) contributions

    Employers are generally required to contribute 10% of their employees’ ordinary time earnings into super. These are known as superannuation guarantee (SG) contributions. SG contributions are employer contributions. They are generally taxed at up to 15%1 in the fund and count towards their concessional contribution cap. The 10% is legislated to increase by 0.5% each year financial year until it reaches 12% from 1 July 2025.

    1Individuals with income from certain sources above $250,000 in 2021/22 will pay an additional 15% tax on superannuation guarantee and other concessional super contributions within the cap.

  • Make life easier today. For you and your team.

    Once you’ve received your MLC MasterKey Business Super and MLC SuperEzy details you can get started with your plan.


    Introducing MLC to your employees.

    Once your employees are set up with their own MLC MasterKey Business Super account they will receive our Member Welcome Kit to provide them with information about their Plan and their next steps on managing their super.

  • Employer Support

    As a client you will receive a number of employee communications to help manager your super obligations.

    MLC SuperEzy Reporting Access a number of reports, including a summary of any contributions you manage for your employees during the financial year.
    Annual statements Receive an employer annual statement every July showing your transaction summary, fees and details of employee transactions demographics.

    Before applying please consider the MLC MasterKey Business Super Product Disclosure Statement.