🇦🇺Australia

Superannuation Guarantee Shortfall Charges

2 verified sources

Definition

Super Guarantee Charge (SGC) applies to late or missed super payments, with services offering rescue packs for fixes.

Key Findings

  • Financial Impact: Super Guarantee Charge up to 200% of shortfall (e.g., AUD 1,150 on AUD 10,000 unpaid super) + interest
  • Frequency: Per quarter late payment
  • Root Cause: Inaccurate hours logged delaying payroll and super calculations

Why This Matters

The Pitch: Household services in Australia 🇦🇺 face AUD 5,000+ SG Charge penalties yearly from payroll delays. Automated time tracking ensures timely super payments.

Affected Stakeholders

Domestic employers, Household managers

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Financial Impact

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Current Workarounds

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Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

Related Business Risks

Under/Over-Payment Errors

AUD 500-5,000 per incident in refunds, disputes, or Fair Work claims

STP Phase 2 Non-Compliance Penalties

AUD 330 per 28 days late + AUD 1,100 failure to lodge maximum per statement (up to AUD 20,000/year for repeated issues)

Manual Payroll Processing Overhead

20-40 hours/month at AUD 50/hour (AUD 1,000-2,000/month)

Breach Damages from Wrongful Termination

AUD 20,000+ in damages per breach of renewed contract

Automatic Renewal Lock-in Costs

AUD 10,000+ per contract in damages or unwanted service fees for renewed terms (e.g., 10-year periods)

Invoice Processing Delays and Cash Flow Drag

Estimated 30-60 days cash flow drag per claim cycle; at AUD $76.55/hour average rate (2025 rate [4]) and typical provider earning AUD $5,000-$10,000/month, this represents AUD $1,500-$3,000+ in working capital impact per provider monthly.

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