Who must comply with MySuper authorisation for default super products?
The applicability test for MySuper authorisation for default super products (APRA), computed across 35 industries, 9 business structures and 6 size bands.
Short answer: Some businesses
Applies when the business has industry: Superannuation trustees.
What the obligation is
Default super contributions can only flow to APRA-authorised MySuper products.
Under the Stronger Super reforms, default superannuation contributions (where an employee has not chosen a fund) must be paid to a MySuper-authorised product. Trustees offering MySuper products must hold APRA authorisation, meet member-outcome assessment requirements, and pass annual performance testing.
The applicability test
Applies when the business has industry: Superannuation trustees.
How the regulator frames it: APRA-regulated super trustees offering default products.
What triggers it: Offering a default investment option.
Jurisdiction: Commonwealth law, so the test is the same in every state and territory.
Which industries are in or out
Outcome across the 35 industries Rules Mate maps (1 of 35: yes; 34 of 35: no).
| Industry | Answer |
|---|---|
| Superannuation trustees | Yes |
| No | 34 other industries |
Business structure and size
Structure does not change the answer in superannuation trustees: for every structure the answer is "yes".
Size does not change the answer in superannuation trustees: at every size band the answer is "yes".
Worked examples
Each line is one run of the Rules Mate applicability engine for a single business profile, with the reason the engine gives:
- Pty Ltd company in superannuation trustees with 6–19 employees, turnover $1M–$3M: applies. Industry: Superannuation trustees.
- Pty Ltd company in real estate agents with 6–19 employees, turnover $1M–$3M: does not apply. Requires industry: Superannuation trustees.
What you must do, and when
- When due
- Continuous; annual performance test; member-outcome assessment.
- Frequency
- Ongoing
- Evidence to keep
- MySuper authorisation, performance test results, member-outcome assessment record.
- Status
- Current
- Priority
- High
Penalty for not complying
Maximum penalty: APRA can require name-and-shame, prohibit new members, withdraw authorisation.
Audit or assurance level
Rules Mate has not yet classified the audit or assurance level for this obligation. Any audit, review or certification requirement is set by the regulator source listed below.
Obligations with the same applicability test
If this obligation applies to you, so do these 4: the engine uses the same rule for each.
What usually applies alongside it
Across the 1,890 business profiles Rules Mate evaluates, these obligations apply to most of the businesses this one applies to, and are far more common among them than among businesses generally:
Where it sits in the corpus
Rules Mate tracks 9 published obligations tagged "super", 6 of them rated critical. For a professional services Pty Ltd company with 6–19 employees operating in every state, 2 of those apply outright. This obligation is rated high priority, and is an ongoing duty.
Regulator, legislation and tools
Regulated by Australian Prudential Regulation Authority.
APRA: Prudential regulator of banks (ADIs), insurers (general, life, private health), and superannuation funds. Sets and enforces CPS standards including CPS 234 (information security) and CPS 230 (operational risk).
SIS Act: Federal supervision of superannuation.
Free tools that help with this obligation:
Questions
- Who must comply with MySuper authorisation for default super products?
- Applies when the business has industry: Superannuation trustees.
- Does MySuper authorisation for default super products apply to sole traders?
- Yes. Looking in superannuation trustees and every size band, the engine's answer for a sole trader is: yes.
- Does MySuper authorisation for default super products apply to businesses with 1–5 employees?
- Yes (1–5 employees, turnover $100K–$1M).
- When is "MySuper authorisation for default super products" due?
- Continuous; annual performance test; member-outcome assessment.
Related
Sources
Computed by the Rules Mate applicability engine from the published obligation corpus; facts last checked 3 October 2026. Rules Mate is not a law firm and this is general information, not legal advice. Confirm your position with the regulator source or a qualified adviser before acting.