Phone 1800 444 396
Web brightersuper.com.au
Email info@brightersuper.com.au
Post GPO Box 264, Brisbane QLD 4001

Contributions from your employer

While you work, your employer can pay money into your Brighter Super account in accordance with your employment contract, federal and relevant state laws, awards and any enterprise bargaining agreement that may apply.

Superannuation Guarantee (SG) contributions

If you work full time, part time, casually or, in some cases, as a contractor, your employer must pay SG contributions into your super account on at least a quarterly basis, as per the following table.

Period Payment due date
1 July – 30 September 28 October
1 October – 31 December 28 January
1 January – 31 March 28 April
1 April – 30 June 28 July
SG contributions are currently 12% of ‘ordinary time earnings’ (2025/26) and apply for most working Australians. Ordinary time earnings is the money you earn for your ordinary hours of work plus extra money you get for over-award payments, performance-based bonuses, commissions, shift loading, allowances and certain paid leave.
Under current rules, employers are not required to make SG payments for employees aged under 18 and working less than 30 hours in a week. Employer contributions are taxed at 15% when contributed to super. Higher-income earners (above $250,000) may be subject to higher rates of tax.
Superannuation Guarantee payments alone may not be enough to fund a comfortable requirement, so it’s worth considering a salary sacrifice arrangement or payment of additional personal contributions.

What if my employer hasn’t paid SG?

Keep in mind there are generally delays from your pay date to when your employer pays contributions into Brighter Super (see the table above). For example, an SG contribution that applies to your July pay packet may not be paid until 28 October. You can check your contributions and manage your account securely using Brighter Super’s Member Online.

If you think your employer isn’t up to date with their SG payments, you should discuss the matter with your employer first. If you are not satisfied with their response, visit the Australian Taxation Office (ATO) website to view your options.

Other employer contributions

Your employer may also make additional contributions to your super account, as prescribed by your employment contract, federal and relevant state laws, awards and any EBA.

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