Although in some ways an Employer Super is not as flexible as a Personal Super, there are some advantages, particularly in terms of insurance.
An employer has a legal obligation to offer insurance to employees who have not selected a super fund. What can make this cover attractive is that employees get access to group rates which could reduce the cost of premiums. Additionally, eligible employees get the benefit of ‘automatic acceptance’ i.e. it is usually possible to get cover without having to go through a medical.