Super guarantee processing for Australian businesses

A named person on our team owns your file and reviews everything that leaves it. Software does a real share of the grinding underneath it — coding, matching, flagging the obvious gaps — but nothing regulated happens without a person’s judgement, and nothing here is signed or filed by an algorithm.

Your registered BAS or tax agent. We prepare, reconcile and support the numbers behind it; the submission itself is theirs, every time.

Whatever you already run. Most commonly QuickBooks, Xero, NetSuite, Sage, Zoho Books and a handful of others — we work inside your system rather than moving you onto one of our own.

A short, free read-only look at what you already have, and a written note on what we found. A scoping call decides the size of the engagement — nothing here commits you to anything.

There is no published price for super guarantee processing — it depends on volume, how many entities are involved, and how far behind the books are. We quote after the read-only review, which is free.

Super guarantee processing sits inside payroll operations, alongside Payroll processing, Contractor payments, Single Touch Payroll support. Most clients end up buying the category as a whole rather than one leaf at a time, but starting narrow is fine.

We keep the payroll system's OTE coding and SG rate setting accurate so its own calculation is correct, and we reconcile that running total against the quarterly obligation. Ascertaining the SG liability itself — the legal determination of what's owed — is a BAS service under TASA 2009 s.90-10 and sits with your registered BAS or tax agent, not us.

Broadly base salary, ordinary hours and most allowances, generally excluding overtime, with genuine grey areas around bonuses and some leave loading under the ATO's SGR 2009/2 ruling. That classification call belongs to your registered BAS agent; we make sure every pay component is tagged consistently in the payroll system and flag anything new or ambiguous for them to classify.

12% of OTE, effective from 1 July 2025 under the legislated phase-in schedule in the Superannuation Guarantee (Administration) Act. We verify the configured rate in your payroll system against the current legislated percentage at every financial-year rollover so a stale setting doesn't run silently for months.

The shortfall converts into a Super Guarantee Charge, which is calculated on a broader base (total salary and wages, not OTE), carries a flat nominal interest component and an admin fee per employee per quarter, and isn't tax-deductible. We reconcile through the quarter, not just near the deadline, so a shortfall has time to be fixed before that conversion happens — whether an SGC statement is ultimately required is a determination for your registered BAS agent.

Yes — that's a catch-up reconciliation. We rebuild the OTE base run by run against what the payroll system actually paid for each affected quarter, surface exactly where the calculated SG diverges from what was contributed, and hand that reconciliation to your registered BAS agent to determine what, if anything, needs to be lodged.

The classification decision itself — is this bonus or allowance OTE — is your registered BAS agent's or accountant's call under SGR 2009/2. We keep every pay component tagged with a consistent OTE flag in the payroll system and flag any new or unclassified component before it runs.

We reconcile the quarter-to-date calculated SG against confirmed fund contributions as pay runs land through the quarter, not only when the 28-day due date is close. A gap between what's calculated and what's actually reached each employee's fund gets flagged with weeks of runway, not days.

That a Super Choice form was completed and, where relevant, the stapled-fund lookup was done before their first pay run — so contributions post to the fund the employee actually chose or is stapled to, rather than a default that was never deliberately confirmed.

Yes — STP Phase 2 reports the SG liability figure alongside gross pay and PAYG withholding on each pay event. STP reporting itself is done by your payroll system under your registered BAS agent's oversight, not by us; our part is keeping the underlying SG data we reconcile consistent with what STP reports, so the two never drift apart.

Most payroll systems default an unrecognised pay component to a generic treatment rather than pausing for a decision, which can silently under- or over-include it in OTE. We flag any component that isn't already tagged with a known classification the first time it appears, before it runs unclassified across multiple pay cycles, and route the question to your registered BAS agent.