Quick Verdict
UniSuper is cheaper at $50k ($280/yr vs $418/yr). UniSuper leads on 10-year returns (8.50% vs 7.50%).
Fund Overview
Active Super
| Type | Industry |
| Established | 2023 |
| Trustee | LGSS Pty Limited |
| HQ State | NSW |
| Members | 100K |
| Assets (AUM) | $22B |
UniSuper
| Type | Industry |
| Established | 2000 |
| Trustee | UniSuper Limited |
| HQ State | VIC |
| Members | 650K |
| Assets (AUM) | $130B |
Fee Comparison
| Fee Component | Active Super | UniSuper |
|---|
| Admin Fee (flat) | $78 | $60 |
| Admin Fee (%) | 0.15% | 0.04% |
| Investment Fee | 0.48% | 0.36% |
| Indirect Cost Ratio | 0.05% | 0.04% |
| Buy/Sell Spread | 0.10% | 0.09% |
Total Annual Fee by Balance
| Balance | Active Super | UniSuper |
|---|
| $10,000 | $146 | $104 |
| $25,000 | $248 | $170 |
| $50,000 | $418 | $280 |
| $100,000 | $758 | $500 |
| $250,000 | $1,778 | $1,160 |
| $500,000 | $3,478 | $2,260 |
Performance Comparison
| Period | Active Super | UniSuper |
|---|
| 1-Year | 10.80% | 12.00% |
| 3-Year | 7.50% | 8.30% |
| 5-Year | 7.80% | 8.50% |
| 7-Year | 7.80% | 8.60% |
| 10-Year | 7.50% | 8.50% |
| FY2024 | 8.50% | 9.20% |
| FY2023 | 9.50% | 10.80% |
| FY2022 | -2.80% | -3.00% |
| FY2021 | 18.50% | 21.20% |
| FY2020 | -0.20% | -0.80% |
| FY2019 | 7.80% | 8.80% |
| FY2018 | 9.50% | 10.80% |
| FY2017 | 11.50% | 12.90% |
| FY2016 | 3.50% | 4.50% |
| FY2015 | 9.50% | 10.80% |
Insurance Comparison
Active Super
| Insurer | MetLife Insurance |
| Death Cover | Yes — opt-out |
| TPD Cover | Yes — opt-out |
| IP Cover | Yes — opt-in |
UniSuper
| Insurer | AIA Australia |
| Death Cover | Yes — unitised, opt-out |
| TPD Cover | Yes — unitised, opt-out |
| IP Cover | Yes — opt-in, 75% of salary |
Annual Premium Comparison by Age
| Age | Active Super | UniSuper |
|---|
| 25 | N/A | $120 |
| 30 | N/A | $205 |
| 35 | N/A | $350 |
| 40 | N/A | $540 |
| 45 | N/A | $850 |
| 50 | N/A | $1,320 |
| 55 | N/A | $1,950 |
| 60 | N/A | $2,800 |
APRA Heatmap Ratings
Active Super
| Fee Rating | Around median |
| Return Rating | Around median |
| Sustainability | Performing |
UniSuper
| Fee Rating | Below median |
| Return Rating | Above median |
| Sustainability | Performing |
Investment Options
Active Super
| Total Options | 8 |
| Ethical/ESG Option | No |
| Indexed Option | No |
| Direct Investing | No |
UniSuper
| Total Options | 16 |
| Ethical/ESG Option | Yes |
| Indexed Option | No |
| Direct Investing | No |
Member Services
Active Super
| App Ratings | iOS 4.1 / Android 3.9 |
| Advice | Not specified |
| AFCA Complaints | 4.0 per 10k members |
| Call Centre | Not specified |
UniSuper
| App Ratings | iOS 4.7 / Android 4.5 |
| Advice | Included personal advice; comprehensive fee-for-service; campus consultants |
| AFCA Complaints | 3.2 per 10k members |
| Call Centre | 8am-8pm AEST Mon-Fri |
Verdict
On fees, UniSuper is the more affordable option. At a $50,000 balance, UniSuper costs $280 per year compared to $418 for Active Super — a difference of $138 annually. That is a substantial gap that will compound significantly over decades.
Looking at long-term performance, UniSuper holds the edge with a 10-year return of 8.50% versus 7.50% for Active Super — a gap of 1.00% per annum. That performance spread is significant and would result in tens of thousands of dollars difference over a working life.
On insurance, Active Super uses MetLife Insurance while UniSuper is backed by AIA Australia. UniSuper charges around $540/year for a 40-year-old's default cover. On member satisfaction, UniSuper has fewer AFCA complaints at 3.2 per 10,000 members compared to 4.0 for the other.
Active Super is best suited for public sector workers, while UniSuper targets it professionals, education workers. Scale is a factor here: UniSuper manages $130B with 650K members, significantly larger than Active Super's $22B. That scale advantage means better bargaining power on fees and deal access.
Important information
The information on SuperFind is general in nature and does not take into account your personal financial situation, needs, or objectives. It is not personal financial advice. Before making any financial decisions about your superannuation, consider whether the information is appropriate for your circumstances and consider seeking advice from a licensed financial adviser. Super fund data including fees and performance returns shown on this site were current as of April 2026 — always verify figures on the fund's website. Past performance is not a reliable indicator of future performance. Data sourced from APRA, ATO, and individual fund disclosures. SuperFind is a
DecisionLab publication.