Information for employers

What you need to know


Below is a summary of what you need to know if your employer super plan is moving to Mercer Business Super.

If you don’t have an employer super plan with us, we can help you get more information about paying contributions for ‘choice of fund’ employees.


Your new Mercer Business Super plan


As part of our ongoing commitment to make managing super easier for you and your employees, we’re moving all Mercer Super plans to a single, modern technology platform

Around 20 March 2026 your employer plan will be transferred from Mercer Super Trust – SmartSuper plan or Mercer SmartSuper Plan to Mercer Business Super

The move will make it easier for you and your employees to find key account information like Unique Superannuation Identifiers (USIs).

To ensure all member accounts are transferred safely and accurately, there will be a period where you will not be able to submit contributions from 4pm (AEDT) Monday 9 March to 9am (AEDT) Tuesday 31 March 2026.
 


Preparing for the transfer


We’ve created an employer checklist to help you prepare for the move. It includes new mandatory information that you will need to provide to successfully submit contributions to your new Mercer Business Super plan.

Download the checklist and be sure to share it with the people who manage your payroll and superannuation plan

Your employer checklist


Frequently asked questions


Below are some frequently asked questions for employers. We also have frequently asked questions for your employees who are transferring to Mercer Business Super.
 

Communicating with employees

  • How is Mercer Super communicating with our employees?

    All affected Mercer Super members, including your employees, will receive formal notice of the transfer in February 2026.

    Any new members who join your employer plan after this time will receive their formal notice as part of their welcome communication. 

    We emailed your plan’s primary contact in late January with a copy of the formal notice for your plan.

Setting up new members

  • What’s the final date for new member registrations?

    If you need to submit any new member registrations for your employer super plan prior to the transfer, this will need to be submitted by 4pm (AEDT) Monday 9 March 2026.  This is to allow time for us to receive and process the request before the Limited Service Period commences.

    You should hold all subsequent member registrations until after the transfer. 

  • Can I submit new member registrations during the transfer?

    No. It is important that you do not submit any new member registrations during the transfer period from 4pm (AEDT) Monday 9 March to Monday 31 March 2026. Doing so could result in duplicate accounts for your employee/s.  

  • How do I submit new member registrations after the transfer?

    In April 2026, we’ll write to you with all the details you need to set up new members in your Mercer Business Super plan, including:

    • The new USI for Mercer Business Super
    • Your plan’s new benefit category codes
       

    There’s also some new mandatory information that you’ll need to provide when you submit new member registrations in Mercer Business Super.

Paying contributions for existing employees


The below information applies if you are a participating employer in the Mercer Super Trust and have a Mercer Super employer plan which is transferring to Mercer Business Super. If you don’t have an employer super plan with us, skip to paying contributions for ‘choice of fund’ employees.

  • Can I submit contributions during the transfer period?

    No. The deadline for submitting March contributions for employees transferring to Mercer Business Super is 4pm (AEDT) Monday 9 March 2026. After this time, you should hold all of their contributions until after the transfer is complete.

    Important:

    • Any contributions submitted for USIs 19905422981999 or 19905422981888 after this time may be rejected and returned to you.
    • Ensure all contributions are correct, as we will not be able to process refunds or adjustments after the transfer.
    • In April, we’ll write to you with all the information you need to update your file and restart contributions.
       

  • What information do I need to update for my employees?

    In April 2026, we will write to you with all the information you need to update your SuperStream file, including:

    • New plan USI
    • New account number for each of your transferring employees (10 digits)
    • Benefit categories
    • Fund registration date/date joined fund
       

    You will need these details, as well as the mandatory information, to pay contributions, set up new members, and to let us know of any employment terminations.

  • Should I update my employees’ details now?

    No. You’ll need to wait for your Mercer Business Super welcome letter in April. It will have all the information you need to update your transferring employees’ details.

  • What is the Mercer Business Super USI?
    • New Plan name: Mercer Business Super
    • New USI: 19905422981708
       

    Important – do not use the new USI until 31 March 2026. 

  • Is the new USI for all employees with Mercer Super accounts?

    No. Only employees in the below plans are moving to Mercer Business Super:

    • Mercer SmartSuper Plan (Individual Section and Employer Section) USI: 19905422981888
    • Mercer Super Trust – SmartSuper USI: 19905422981999
       

    If you have employees who are members of another Mercer Super product, you can continue to pay those contributions as usual.

  • Do I use account or member number when making contributions?

    In Mercer Business Super, you should use your employees’ 10-digit account numbers for making contributions.

    We will write to you in April with all the information you need to update your SuperStream file, including your employees’ account numbers and new benefit category codes. You will need to update these before making any contributions to your employees’ new Mercer Business Super accounts.

    For employees who have another Mercer Super account transferring to Mercer Business Super (outside of your employer plan), see paying contributions for ‘choice of fund’ employees.

  • My employees’ contributions got rejected. What should I do?

    If the contribution was going to USI 19905422981888 or 19905422981999, you will need to resubmit their contributions using the new Mercer Business Super USI and details after the transfer is complete.  In April, we’ll write to you with all the details you will need to update your employees’ information.

Mandatory information

  • What mandatory information will I need to provide?

    There’s some new mandatory information that you’ll need to provide when you submit new member registrations and contributions in Mercer Business Super. Download the employer checklist for details.

    Check that all the mandatory information can be captured and included in your SuperStream file. If not, please work with your payroll provider to update your SuperStream file before Tuesday 31 March 2026.

     

  • What is salary (or income) for insurance?

    To learn more about salary (or income) for insurance, refer to the Mercer Business Super Insurance booklet 2 for the standard definition or if you have a non-standard definition this will continue.

  • What benefit category should I use?

    All benefit categories which have had an active member in the last five years will be transferred to Mercer Business Super. However, the benefit category codes will be different.

    In April, you’ll receive your Mercer Business Super welcome letter, which will outline the benefit category codes applicable for your new plan. You will need to use these new benefit category codes when submitting member registration requests. You may also need to use these when making contributions for existing employees in your plan (depending on your SuperStream provider).

  • What date should I use for ‘date joined fund’?
    Employee is:  Date joined fund
    An existing employee transferring to Mercer Business Super Use the Transfer Date of 20 March 2026
    A new employee who joins before 20 March 2026 Use the Transfer Date of 20 March 2026
     A new employee who joins on or after 20 March 2026 Use the employees’ start date


    Do not use a date prior to 20 March 2026.     The insurance design for your plan will commence in Mercer Business Super by this date.  If you enter an earlier date, eligible employees may not receive insurance.

  • What if my payroll doesn’t output all mandatory information?

    You’ll need to work with your payroll provider to update your SuperStream file to include all mandatory information by 31 March 2026, otherwise you may not be able to set up new employees or process contributions. If you’ve got any questions, email our Employer Support team at employer.support@esuper.com.au  – we’re here to help.

Employer-paid fees and insurance

Insurance

  • Will there be changes to our plan’s insurance arrangements?

    There will be some changes to your plan’s default design which may impact the insurance cover that applies to transferring members and new members who join your Mercer Business Super plan, from around 20 March 2026 (the Transfer Date).

    These changes are outlined below and full terms and conditions are set out in the Mercer Business Super Insurance booklet 2.

    Plan rating factors

    New plan rating factors (PRFs) will apply in Mercer Business Super. These are used to determine the cost of members’ insurance while they are a member of your plan – based on the insurer’s assessment of the collective risk of the employees in your plan, which includes assessing your industry, company size, and your plan’s claims history.

    We will provide further details in your Mercer Business Super employer welcome letter in April.

    Default insurance design

    The following changes will apply to your plan’s insurance design for Death only or Death and Total and Permanent Disablement (TPD) insurance cover.

    Where you have a ‘Percentage of Salary’ design Where you have a ‘Unit Benefit’ design
    New members joining your plan from the Transfer Date can apply for an additional 5%, 10% or 15% above the value in your default insurance design to a maximum of 30% (subject to ‘opt-up’ offer conditions). This benefit design will change to a ‘fixed weekly premium’ cover in Mercer Business Super. The weekly cost of Death and TPD insurance cover will stay the same, however, because this is a different way of calculating members’ insurance cover, the amount of insurance cover they receive will change.

    Changes to insurance terms 

    There will also be some additional changes you’ll need to be aware of.

    For more information on the insurance changes and benefits applicable to members, refer to the formal notice sent to transferring employees (we emailed a copy to your plan’s primary contact in late January). Full terms and conditions are set out in the Mercer Business Super Insurance booklet 2.


Paying contributions for ‘choice of fund’ employees 


You may have employees who have chosen for their super contributions to be paid to their Mercer Super account through ‘choice of fund’. Employees with accounts in the following funds will transfer to Mercer Business Super on or around 20 March 2026.

  • USI: 19905422981888 – Mercer SmartSuper Plan (Individual Section and Employer Section)
  • USI: 19905422981999 – Mercer Super Trust – SmartSuper

You should pause all contributions for these employees from 4pm (AEDT) Monday 9 March 2026 while the transfer takes place. From Tuesday 31 March 2026 you can restart contributions using the new plan details:

  • New Plan name: Mercer Business Super
  • New USI: 19905422981708 - Do not use the new USI until 31 March 2026.
  • New account number (once available)*

* Transferring employees will receive a new account number for their Mercer Business Super account. You should ask your employees with transferring Mercer Super accounts (outside of your employer plan) to provide you with their new Mercer Business Super account number so you can update your SuperStream file. Your employees can view their new account number by logging into their member portal from Tuesday 31 March 2026. It will also be included in their welcome communication in April. Importantly, while the account number is recommended, it is not mandatory information. If you don’t have an employee’s new account number yet you can still submit contributions with their old account number and we can match this to your employee’s account. However, if your employee has multiple accounts the contribution may not be attributed to the intended account.

Call us

Need help?


Thank you for your patience during the transfer. If you’ve got any questions, email our Employer Support team at employer.support@esuper.com.au – we’re here to help you. 

Ask a question

Important Information

Issued by Mercer Superannuation (Australia) Limited (MSAL) ABN 79 004 717 533, Australian Financial Services Licence #235906, the trustee of the Mercer Super Trust ABN 19 905 422 981 (‘Mercer Super’).
Any advice provided is of a general nature and does not take into account your objectives, financial situation or needs. Before acting on any advice we recommend you obtain your own financial advice and consider the Product Disclosure Statement available at mercersuper.com.au. The product’s Target Market Determination setting out the class of people for whom the product may be suitable can be found at mercersuper.com.au/tmd. ‘MERCER’ and Mercer SmartSuper® is an Australian registered trademark of Mercer (Australia) Pty Ltd ABN 32 005 315 917.

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