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Employers FAQs

If your question isn't here please don't hesistate to speak to our team via our contact us page or call 13 11 84 (8:00am - 6:30pm (AEST) Monday to Friday). You can download our Employer Notification here.

Last updated: 09 January 2021

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What does the merger mean for Sunsuper members and employers?


Over the last two years, Sunsuper and QSuper have undertaken a detailed due diligence process to explore if both funds’ memberships would benefit from being part of a merged super fund. This process identified a strong case for merging with achievable efficiencies and savings. QSuper shares our focus on working for members, not shareholders, aiming to deliver strong, long-term investment returns, and providing the tools and advice to help members feel on top of their super.

In addition, both funds have simple and transparent fees, award-winning products and services, and proven investment philosophies. Australian Retirement Trust will be unquestionably strong, with world-class capability and the scale that comes from a membership base of two million Australians and $200 billion in funds under management.

Both trustee boards have a very clear obligation at law to act in the best interests of their members. The due diligence process demonstrated a strong business case for merging the funds with achievable efficiencies and savings, and both funds’ boards formed the view that entering into the Heads of Agreement to progress the merger is in members’ best interests.

Australian Retirement Trust will be one of Australia's largest super funds, proud to take care of over $200 billion in retirement savings for more than two million members. As a fund that works for members, not shareholders, we'll work in members' best interests, and commit to returning profits to them as lower fees and better services. Following the merger, your employees who are Sunsuper members will be able to access the same product features, benefits and services they know and trust from Sunsuper.

As a participating Australian Retirement Trust employer, you'll also still have access to the same benefits and services you have now with Sunsuper, including:

  • Support and assistance from our dedicated employer support and relationship team.
  • Access to our secure Employer Online payment facility.
  • For eligible employers, the ability to make one single payment for all of your employees' super through Australian Retirement Trust clearing house.
  • News, information, webcasts and seminars to keep you up to date on the latest super rules and legislation.

We don’t expect any changes to the current service model for employers. Your Sunsuper contacts will remain the same through the integration.

We’ll continue to keep you informed of progress through your regular Sunsuper contacts.

No, under law, the decision to merge is taken by the Board of the Sunsuper Trustee on behalf of members. You can rest assured that the merger will only go ahead if we determine it is in members’ best interests.


Questions about superannuation payments


We’ll continue to accept your contributions as we do now in Sunsuper and allocate them to your employees' accounts in Australian Retirement Trust.

No, there will be no change to your or your employees' BPAY details.

You'll able to use Sunsuper systems to make payments up to the merger date and beyond. After 28 February, we recommend you update any bookmarked links to Sunsuper assets with direct links to the Australian Retirement Trust website.

The Unique Superannuation Identifier (USI) won’t change until 1 July 2022. Australian Retirement Trust will contact you before this date to provide the updated USI.

Following the merger, links to the Sunsuper website will automatically redirect you to either identical or similar information on the Australian Retirement Trust website. If you have any trouble accessing the information you need, please contact us and we’ll direct you to the relevant page on the new website.

You can continue to use clearing house up to and after the merger. Your login details will remain the same. Users of Sunsuper clearing house will automatically become participating employers of Australian Retirement Trust on 28 February 2022. Read the Sunsuper and QSuper are merging Significant Event Notice for Sunsuper clearing house at for more details.

Employer Online will be unavailable for a short period over the weekend of 26 and 27 February. We'll provide more specific details on expected outages closer to the date on the Sunsuper website.


Questions about members' accounts


Members won’t be required to do anything for their accounts with Sunsuper to transfer to Australian Retirement Trust. Their new Australian Retirement Trust accounts will generally have the same features as their current Sunsuper accounts but there is some important information that they need to be aware of, which will be covered in their significant event notice (SEN) and Sunsuper and QSuper are merging: Important information booklet that they'll receive in January 2022, and will be available from mid-January 2022 at

Members will still be able to access historical documents from Sunsuper in Australian Retirement Trust.

All existing preferred, binding and reversionary beneficiaries that are detailed on a member's account will transfer to their Australian Retirement Trust account.

Your employees' member numbers will remain the same in Australian Retirement Trust.

When we merge on 28 February 2022 (subject to regulatory and legislative approval), there will be no changes to existing Administration fees. Following the merger, we expect to have the size and scale to deliver long-term efficiencies that will enable our administration fees to remain low.

No, the insurance arrangements that members have on their accounts (as immediately assessed prior to the merger) will be the arrangements they will have as a member of Australian Retirement Trust. This includes any cover amounts, premiums, policy terms and conditions as defined in the relevant Insurance guide, and any special acceptance terms applied by the insurer when cover was underwritten.

No, the accounts members hold in Australian Retirement Trust will be invested in options that are identical to those their Sunsuper account was invested in immediately prior to the merger. The full range of options available to members in Australian Retirement Trust from 28 February 2022 will be identical to those currently available in Sunsuper.

Members should refer to their significant event notice (SEN) or page 7 of the Sunsuper and QSuper are merging: Important information booklet, available from mid-January 2022 at for more details.

The Australian Retirement Trust Super Savings investment options will adopt the investment strategy of the Sunsuper investment options. For example, the Australian Retirement Trust Super Savings Balanced investment option will adopt the investment strategy of the Sunsuper Balanced investment option, which returned 9.9% p.a. over 10 years to 30 September 2021.*

*Past performance is not a reliable indicator of future performance. The Australian Retirement Trust Super Savings Balanced option will adopt the pre-merger investment strategy of the Sunsuper Balanced option. Super Savings will be a product within the Public Offer Division of Australian Retirement Trust. The Sunsuper Balanced option for Super-savings accounts has identical investments to the Balanced Pool in the Lifecycle Investment Strategy. Members invested in the Lifecycle Investment Strategy are invested 100% in the Balanced Pool until age 55.

Helping members obtain high-quality financial advice will remain a priority for Australian Retirement Trust. Members will still be able to access simple financial advice about their Australian Retirement Trust account for no additional cost. At Sunsuper, we have also worked hard to develop strong, collaborative relationships with the adviser community, and this will continue in Australian Retirement Trust.


Questions about contact details


There will be no changes to your contact person. If there are any changes to this in the future, we will let you know.

In January 2022, we'll send you a communication with all the contact details you'll need for Australian Retirement Trust. You can continue to use the contact details available at until that date. Following the merger, the Contact us page on the Sunsuper website will redirect you to the contact details on the Australian Retirement Trust website. We recommend you update any links to the Sunsuper website with direct links to the Australian Retirement Trust website at this time.


Read more merger FAQs

Still have questions? Check out our other popular merger FAQs or speak to our team via our contact us page or call 13 11 84 (8:00am - 6:30pm (AEST) Monday to Friday)