{
  "entity_id": "B-003127",
  "folder": "Superannuation-Industry-Stewardship-Group",
  "name": "Superannuation Industry Stewardship Group",
  "type": "Advisory Body",
  "jurisdiction": "Commonwealth",
  "portfolio": "Treasury",
  "website": "https://www.ato.gov.au/General/Consultation/Consultation-groups/Stewardship-groups/Superannuation-Industry-Stewardship-Group/",
  "data_status": "stub",
  "completeness": {
    "has_strategy_brief": false,
    "has_strategy_structured": false,
    "has_vision": false,
    "has_kpi_targets": false,
    "has_kpi_results": false,
    "has_strategy_overview": true,
    "has_legislation_text": true,
    "has_legislation_structured": false,
    "has_global_initiatives_text": false,
    "has_ideas": true,
    "has_artifacts": false,
    "n_ideas": 12,
    "n_legislation": 0,
    "n_artifacts": 0,
    "n_kpi_targets": 0,
    "n_kpi_results": 0,
    "n_outcomes": 0,
    "verified_own_data": false
  },
  "strategy_profile": {
    "status": "needs_review",
    "confidence": "low",
    "summary": "",
    "official_site_url": "https://www.ato.gov.au/General/Consultation/Consultation-groups/Stewardship-groups/Superannuation-Industry-Stewardship-Group/",
    "source_documents": [],
    "purpose": null,
    "vision": null,
    "strategic_priorities": [],
    "values": [],
    "outcomes": [],
    "performance_measures": [],
    "document_alignment_terms": {
      "must_support": [],
      "watch_terms": [],
      "avoid_claiming_without_evidence": []
    },
    "review_note": "Only low-confidence webpage, media, contact, news, or global-intelligence evidence is available."
  },
  "strategy_brief_md": null,
  "strategy_overview_evidence_md": null,
  "internal_strategy_evidence_md": "# Superannuation Industry Stewardship Group - Strategy, Performance, and Operating Profile\n\n**Generated at**: 2026-05-09T22:34:05.136395+00:00\n**Entity ID**: B-003127\n**Entity type**: Advisory Body\n**Jurisdiction**: Commonwealth\n**Portfolio**: Treasury\n**Website**: https://www.ato.gov.au/General/Consultation/Consultation-groups/Stewardship-groups/Superannuation-Industry-Stewardship-Group/\n\n> Draft generated from scraped source material. Treat this as an evidence pack for editorial review, not a final judgement.\n\n## Source Coverage\n\n| Source type | Count |\n|---|---:|\n| pages | 2 |\n\n## Executive Readout\n\n### Purpose\n\n- As of December 2025, AFCA has received 4,248 complaints and is forecasting around 8,000 complaints for the full year, representing an increase of approximately 30%.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Fraud and cyber security\nAPRA\nAPRA noted developments following the 2025 cyber incident, advising impacted trustees were to undertake independent special purpose engagements which identified weaknesses particularly in the effectiveness of multifactor authentication (MFA) and some automated cyber controls.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- It was noted that that the Minister recently cited $21.5 billion in lost and unclaimed super as at the end of 2025, an increase of around $2.6 billion in 6 months.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- 4 March 2026\n5 November 2025\n3 September 2025\n4 June 2025\n5 March 2025\n25 November 2024\n11 September 2024\n12 June 2024\n13 March 2024\n8 November 2023\n13 September 2023\n7 June 2023\n9 March 2023\nFor prior key messages, email the secretariat with your requirements.\n  Source: `pages/homepage.html (https://www.ato.gov.au/General/Consultation/Consultation-groups/Stewardship-groups/Superannuation-Industry-Stewardship-Group/)`\n\n### Role and Functions\n\n- As of December 2025, AFCA has received 4,248 complaints and is forecasting around 8,000 complaints for the full year, representing an increase of approximately 30%.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- It was noted that that the Minister recently cited $21.5 billion in lost and unclaimed super as at the end of 2025, an increase of around $2.6 billion in 6 months.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- 4 March 2026\n5 November 2025\n3 September 2025\n4 June 2025\n5 March 2025\n25 November 2024\n11 September 2024\n12 June 2024\n13 March 2024\n8 November 2023\n13 September 2023\n7 June 2023\n9 March 2023\nFor prior key messages, email the secretariat with your requirements.\n  Source: `pages/homepage.html (https://www.ato.gov.au/General/Consultation/Consultation-groups/Stewardship-groups/Superannuation-Industry-Stewardship-Group/)`\n- Menu\nSearch\nSuperannuation Industry Stewardship Group key messages 4 March 2026\nKey topics discussed at the Superannuation Industry Stewardship Group meeting 4 March 2026.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Published\n9 April 2026\nPrint or Download\nSuperannuation regulators update\nTreasury\nTreasury confirmed the Retirement Reporting Framework has been published, with first data collection by Australian Prudential Regulation Authority (APRA) to commence in 2027.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Consultation on proposed changes to RG97 and portfolio holdings disclosure has closed, with feedback under consideration.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n\n### Strategic Priorities\n\n- As of December 2025, AFCA has received 4,248 complaints and is forecasting around 8,000 complaints for the full year, representing an increase of approximately 30%.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- It was noted that that the Minister recently cited $21.5 billion in lost and unclaimed super as at the end of 2025, an increase of around $2.6 billion in 6 months.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- 4 March 2026\n5 November 2025\n3 September 2025\n4 June 2025\n5 March 2025\n25 November 2024\n11 September 2024\n12 June 2024\n13 March 2024\n8 November 2023\n13 September 2023\n7 June 2023\n9 March 2023\nFor prior key messages, email the secretariat with your requirements.\n  Source: `pages/homepage.html (https://www.ato.gov.au/General/Consultation/Consultation-groups/Stewardship-groups/Superannuation-Industry-Stewardship-Group/)`\n- Superannuation member services remain a priority for ASIC, with a follow-up report on death benefits to be released in coming months.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Its core purpose is to amplify the voices, experiences and priorities of older people and ensure these are clearly reflected in public policy, service design and national debate.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Menu\nSearch\nSuperannuation Industry Stewardship Group key messages 4 March 2026\nKey topics discussed at the Superannuation Industry Stewardship Group meeting 4 March 2026.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Published\n9 April 2026\nPrint or Download\nSuperannuation regulators update\nTreasury\nTreasury confirmed the Retirement Reporting Framework has been published, with first data collection by Australian Prudential Regulation Authority (APRA) to commence in 2027.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- ATO\nPayday Super\nThe Treasury Laws Amendment (Payday Superannuation) Regulations 2026 were made on 19 February 2026.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- A live webinar for funds was delivered on 16 February with over 1,000 attendees.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Self-managed super fund illegal early access estimate\nIllegal early access from SMSFs in 2022–23 was estimated at $252 million, a slight increase from the previous year.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n\n## KPIs, Targets, and Where They Are At\n\n- As of December 2025, AFCA has received 4,248 complaints and is forecasting around 8,000 complaints for the full year, representing an increase of approximately 30%.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- It was noted that that the Minister recently cited $21.5 billion in lost and unclaimed super as at the end of 2025, an increase of around $2.6 billion in 6 months.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- 4 March 2026\n5 November 2025\n3 September 2025\n4 June 2025\n5 March 2025\n25 November 2024\n11 September 2024\n12 June 2024\n13 March 2024\n8 November 2023\n13 September 2023\n7 June 2023\n9 March 2023\nFor prior key messages, email the secretariat with your requirements.\n  Source: `pages/homepage.html (https://www.ato.gov.au/General/Consultation/Consultation-groups/Stewardship-groups/Superannuation-Industry-Stewardship-Group/)`\n- Menu\nSearch\nSuperannuation Industry Stewardship Group key messages 4 March 2026\nKey topics discussed at the Superannuation Industry Stewardship Group meeting 4 March 2026.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Published\n9 April 2026\nPrint or Download\nSuperannuation regulators update\nTreasury\nTreasury confirmed the Retirement Reporting Framework has been published, with first data collection by Australian Prudential Regulation Authority (APRA) to commence in 2027.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- ATO\nPayday Super\nThe Treasury Laws Amendment (Payday Superannuation) Regulations 2026 were made on 19 February 2026.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- A live webinar for funds was delivered on 16 February with over 1,000 attendees.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Self-managed super fund illegal early access estimate\nIllegal early access from SMSFs in 2022–23 was estimated at $252 million, a slight increase from the previous year.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Fraud and cyber security\nAPRA\nAPRA noted developments following the 2025 cyber incident, advising impacted trustees were to undertake independent special purpose engagements which identified weaknesses particularly in the effectiveness of multifactor authentication (MFA) and some automated cyber controls.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- APRA has increased focus on governance, risk management and oversight of critical service providers, including enforcement action in late 2025 where deficiencies were identified, for example, governance and administrator transition risks.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Superannuation Industry Stewardship Group key messages 4 March 2026 | Australian Taxation Office\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Superannuation member services remain a priority for ASIC, with a follow-up report on death benefits to be released in coming months.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- ASIC has published information on lead generators to improve market transparency and is continuing thematic work on how trustees are disrupting high-risk switching, with a report expected in the coming months.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- AFCA\nAustralian Financial Complaints Authority (AFCA) noted a significant increase in complaint volumes for the 2025-26 financial year.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n\n## Key Metrics\n\n| Values found | Evidence | Source |\n|---|---|---|\n| $21.5 billion, $2.6 billion, 21.5 billion, 2.6 billion | It was noted that that the Minister recently cited $21.5 billion in lost and unclaimed super as at the end of 2025, an increase of around $2.6 billion in 6 months. | `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)` |\n| $252 million, 252 million | Self-managed super fund illegal early access estimate\nIllegal early access from SMSFs in 2022–23 was estimated at $252 million, a slight increase from the previous year. | `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)` |\n| $21.5 billion, $2.6 billion, 21.5 billion, 2.6 billion | It was noted that that the Minister recently cited $21.5 billion in lost and unclaimed super as at the end of 2025, an increase of around $2.6 billion in 6 months. | `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)` |\n| $252 million, 252 million | Self-managed super fund illegal early access estimate\nIllegal early access from SMSFs in 2022–23 was estimated at $252 million, a slight increase from the previous year. | `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)` |\n\n## Key Achievements\n\n- As of December 2025, AFCA has received 4,248 complaints and is forecasting around 8,000 complaints for the full year, representing an increase of approximately 30%.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- A live webinar for funds was delivered on 16 February with over 1,000 attendees.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- It was noted that that the Minister recently cited $21.5 billion in lost and unclaimed super as at the end of 2025, an increase of around $2.6 billion in 6 months.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- 4 March 2026\n5 November 2025\n3 September 2025\n4 June 2025\n5 March 2025\n25 November 2024\n11 September 2024\n12 June 2024\n13 March 2024\n8 November 2023\n13 September 2023\n7 June 2023\n9 March 2023\nFor prior key messages, email the secretariat with your requirements.\n  Source: `pages/homepage.html (https://www.ato.gov.au/General/Consultation/Consultation-groups/Stewardship-groups/Superannuation-Industry-Stewardship-Group/)`\n- Menu\nSearch\nSuperannuation Industry Stewardship Group key messages 4 March 2026\nKey topics discussed at the Superannuation Industry Stewardship Group meeting 4 March 2026.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Published\n9 April 2026\nPrint or Download\nSuperannuation regulators update\nTreasury\nTreasury confirmed the Retirement Reporting Framework has been published, with first data collection by Australian Prudential Regulation Authority (APRA) to commence in 2027.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- ATO\nPayday Super\nThe Treasury Laws Amendment (Payday Superannuation) Regulations 2026 were made on 19 February 2026.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Self-managed super fund illegal early access estimate\nIllegal early access from SMSFs in 2022–23 was estimated at $252 million, a slight increase from the previous year.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Fraud and cyber security\nAPRA\nAPRA noted developments following the 2025 cyber incident, advising impacted trustees were to undertake independent special purpose engagements which identified weaknesses particularly in the effectiveness of multifactor authentication (MFA) and some automated cyber controls.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- APRA has increased focus on governance, risk management and oversight of critical service providers, including enforcement action in late 2025 where deficiencies were identified, for example, governance and administrator transition risks.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Superannuation Industry Stewardship Group key messages 4 March 2026 | Australian Taxation Office\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Superannuation member services remain a priority for ASIC, with a follow-up report on death benefits to be released in coming months.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n\n## Key Issues, Risks, and Recommendations\n\n- As of December 2025, AFCA has received 4,248 complaints and is forecasting around 8,000 complaints for the full year, representing an increase of approximately 30%.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- APRA has increased focus on governance, risk management and oversight of critical service providers, including enforcement action in late 2025 where deficiencies were identified, for example, governance and administrator transition risks.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- It was noted that that the Minister recently cited $21.5 billion in lost and unclaimed super as at the end of 2025, an increase of around $2.6 billion in 6 months.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- 4 March 2026\n5 November 2025\n3 September 2025\n4 June 2025\n5 March 2025\n25 November 2024\n11 September 2024\n12 June 2024\n13 March 2024\n8 November 2023\n13 September 2023\n7 June 2023\n9 March 2023\nFor prior key messages, email the secretariat with your requirements.\n  Source: `pages/homepage.html (https://www.ato.gov.au/General/Consultation/Consultation-groups/Stewardship-groups/Superannuation-Industry-Stewardship-Group/)`\n- ASIC has published information on lead generators to improve market transparency and is continuing thematic work on how trustees are disrupting high-risk switching, with a report expected in the coming months.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- The ATO has commenced a compliance strategy to address behaviours of concern, and there will be consequences for those individuals, health practitioners and registered agents who are considered high risk to the CRS program.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Menu\nSearch\nSuperannuation Industry Stewardship Group key messages 4 March 2026\nKey topics discussed at the Superannuation Industry Stewardship Group meeting 4 March 2026.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Insights from these complaints include:\nDelays in claims handling remain the largest category and are forecast to increase by around 35%, while complaints about denial of insured benefits are also rising.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Service issues feature in around 80% of complaints, with one quarter raised as the primary issue.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Published\n9 April 2026\nPrint or Download\nSuperannuation regulators update\nTreasury\nTreasury confirmed the Retirement Reporting Framework has been published, with first data collection by Australian Prudential Regulation Authority (APRA) to commence in 2027.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Overall death benefit complaints are expected to remain broadly in line with last year, with a decline in complaints about delays reflecting improved fund performance.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Scams and fraud complaint numbers remain low, but we are closely monitoring emerging risks relating to identity theft, impersonation and unauthorised rollovers, working with funds and regulators to address vulnerabilities.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- ATO\nPayday Super\nThe Treasury Laws Amendment (Payday Superannuation) Regulations 2026 were made on 19 February 2026.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- A live webinar for funds was delivered on 16 February with over 1,000 attendees.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n\n## Corporate Values and Operating Culture\n\n- As of December 2025, AFCA has received 4,248 complaints and is forecasting around 8,000 complaints for the full year, representing an increase of approximately 30%.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- APRA has increased focus on governance, risk management and oversight of critical service providers, including enforcement action in late 2025 where deficiencies were identified, for example, governance and administrator transition risks.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- It was noted that that the Minister recently cited $21.5 billion in lost and unclaimed super as at the end of 2025, an increase of around $2.6 billion in 6 months.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- 4 March 2026\n5 November 2025\n3 September 2025\n4 June 2025\n5 March 2025\n25 November 2024\n11 September 2024\n12 June 2024\n13 March 2024\n8 November 2023\n13 September 2023\n7 June 2023\n9 March 2023\nFor prior key messages, email the secretariat with your requirements.\n  Source: `pages/homepage.html (https://www.ato.gov.au/General/Consultation/Consultation-groups/Stewardship-groups/Superannuation-Industry-Stewardship-Group/)`\n- The ATO has commenced a compliance strategy to address behaviours of concern, and there will be consequences for those individuals, health practitioners and registered agents who are considered high risk to the CRS program.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Its core purpose is to amplify the voices, experiences and priorities of older people and ensure these are clearly reflected in public policy, service design and national debate.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Menu\nSearch\nSuperannuation Industry Stewardship Group key messages 4 March 2026\nKey topics discussed at the Superannuation Industry Stewardship Group meeting 4 March 2026.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n- Service issues feature in around 80% of complaints, with one quarter raised as the primary issue.\n  Source: `pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)`\n\n## Global Ideas and Case Study Inputs\n\n_No global-intelligence source text found yet. Run `CLAUDE/global-ideas-scraper.py <entity>` to populate case-study sources._\n\n## Source Artifacts Used\n\n- `pages/about.html` - pages - https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026\n- `pages/homepage.html` - pages - https://www.ato.gov.au/General/Consultation/Consultation-groups/Stewardship-groups/Superannuation-Industry-Stewardship-Group/\n\n## Gaps To Fix\n\n- No corporate plan text source found.\n- No annual report text source found.\n- No global comparison/case-study sources found.",
  "legislation_md": "# Superannuation Industry Stewardship Group - Acts and Legislation Discovery\n\n**Generated at**: 2026-05-09T21:21:42.624203+00:00\n**Entity ID**: B-003127\n**Jurisdiction**: Commonwealth\n**Portfolio**: Treasury\n\n> This is an evidence-based discovery list from scraped department material. A mention does not always mean the department administers the legislation; high-confidence and official register links should be reviewed.\n\n## Summary\n\n- Source files scanned: 2\n- Unique legislation references found: 1\n\n| Type | Count |\n|---|---:|\n| Regulation | 1 |\n\n## Legislation References\n\n### Payday Super The Treasury Laws Amendment (Payday Superannuation) Regulations 2026\n\n**Type**: Regulation\n**Confidence**: medium\n**Mentions**: 1\n**Register search**: https://www.legislation.gov.au/search?query=Payday+Super+The+Treasury+Laws+Amendment+%28Payday+Superannuation%29+Regulations+2026\n\n**Sources**:\n- `pages/about.html`\n\n**Evidence contexts**:\n- g risks relating to identity theft, impersonation and unauthorised rollovers, working with funds and regulators to address vulnerabilities.\nOver 500 complaints relating to Shield/First Guardian have been received.\nATO\nPayday Super\nThe Treasury Laws Amendment (Payday Superannuation) Regulations 2026 were made on 19 February 2026. The ATO will be reviewing and updating web content because of this.\nA live webinar for funds was delivered on 16 February with over 1,000 attendees. The recording of this webinar will be available as an ongoing resource. This su\n  Source: `pages/about.html`\n\n## Files Scanned\n\n- `pages/about.html` (page)\n- `pages/homepage.html` (page)",
  "global_initiatives_md": null,
  "strategy": null,
  "ideas": [
    {
      "entity_id": "B-003127",
      "entity_name": "Superannuation Industry Stewardship Group",
      "folder_name": "Superannuation-Industry-Stewardship-Group",
      "category": "Citizen Participation",
      "scale": "small",
      "title": "Consultation feedback summaries with response tracking",
      "idea": "Summarise consultation submissions by theme and publish what changed in response.",
      "quote": "Fraud and cyber security\nAPRA\nAPRA noted developments following the 2025 cyber incident, advising impacted trustees were to undertake independent special purpose engagements which identified weaknesses particularly in the effectiveness of multifactor authentication (MFA) and some automated cyber controls.",
      "impact": "High",
      "effort": "Low",
      "proof": "Evidence-backed",
      "beneficiaries": "Citizens / stakeholders / policy teams",
      "source": "pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)",
      "implementation": [
        "Pick one high-volume process or document family.",
        "Name an owner and baseline current volume, time, cost, and satisfaction.",
        "Run a 4-8 week pilot with clear before/after metrics.",
        "Publish lessons and decide whether to scale."
      ],
      "risks": [
        "Privacy and data quality",
        "Change fatigue",
        "Unclear accountability",
        "Digital exclusion",
        "Low public trust if feedback is not acted on"
      ]
    },
    {
      "entity_id": "B-003127",
      "entity_name": "Superannuation Industry Stewardship Group",
      "folder_name": "Superannuation-Industry-Stewardship-Group",
      "category": "Citizen Participation",
      "scale": "large",
      "title": "Always-on policy participation platform",
      "idea": "Create a standing participation platform where citizens and stakeholders can propose, vote, and track ideas.",
      "quote": "Fraud and cyber security\nAPRA\nAPRA noted developments following the 2025 cyber incident, advising impacted trustees were to undertake independent special purpose engagements which identified weaknesses particularly in the effectiveness of multifactor authentication (MFA) and some automated cyber controls.",
      "impact": "Very High",
      "effort": "High",
      "proof": "Evidence-backed",
      "beneficiaries": "Citizens / stakeholders / policy teams",
      "source": "pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)",
      "implementation": [
        "Create a senior responsible owner and cross-functional delivery team.",
        "Map legislation, data, privacy, procurement, cyber, and workforce constraints.",
        "Co-design with users and frontline staff before technology selection.",
        "Stage delivery through pilots, benefits tracking, and public reporting."
      ],
      "risks": [
        "Privacy and data quality",
        "Change fatigue",
        "Unclear accountability",
        "Digital exclusion",
        "Low public trust if feedback is not acted on"
      ]
    },
    {
      "entity_id": "B-003127",
      "entity_name": "Superannuation Industry Stewardship Group",
      "folder_name": "Superannuation-Industry-Stewardship-Group",
      "category": "Regulation & Policy",
      "scale": "small",
      "title": "Regulatory burden scan for forms, guidance, and reporting",
      "idea": "Identify the top 10 highest-friction reporting obligations and simplify guidance, forms, or evidence requirements.",
      "quote": "Published\n9 April 2026\nPrint or Download\nSuperannuation regulators update\nTreasury\nTreasury confirmed the Retirement Reporting Framework has been published, with first data collection by Australian Prudential Regulation Authority (APRA) to commence in 2027.",
      "impact": "High",
      "effort": "Low",
      "proof": "Evidence-backed",
      "beneficiaries": "Regulated entities / policy teams",
      "source": "pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)",
      "implementation": [
        "Pick one high-volume process or document family.",
        "Name an owner and baseline current volume, time, cost, and satisfaction.",
        "Run a 4-8 week pilot with clear before/after metrics.",
        "Publish lessons and decide whether to scale."
      ],
      "risks": [
        "Privacy and data quality",
        "Change fatigue",
        "Unclear accountability",
        "Regulatory capture",
        "Over-automation of judgement"
      ]
    },
    {
      "entity_id": "B-003127",
      "entity_name": "Superannuation Industry Stewardship Group",
      "folder_name": "Superannuation-Industry-Stewardship-Group",
      "category": "Regulation & Policy",
      "scale": "large",
      "title": "Adaptive regulation program with live feedback loops",
      "idea": "Create an adaptive regulation model using sandboxes, industry data, risk scoring, and regular rule updates.",
      "quote": "Published\n9 April 2026\nPrint or Download\nSuperannuation regulators update\nTreasury\nTreasury confirmed the Retirement Reporting Framework has been published, with first data collection by Australian Prudential Regulation Authority (APRA) to commence in 2027.",
      "impact": "Very High",
      "effort": "High",
      "proof": "Evidence-backed",
      "beneficiaries": "Regulated entities / policy teams",
      "source": "pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)",
      "implementation": [
        "Create a senior responsible owner and cross-functional delivery team.",
        "Map legislation, data, privacy, procurement, cyber, and workforce constraints.",
        "Co-design with users and frontline staff before technology selection.",
        "Stage delivery through pilots, benefits tracking, and public reporting."
      ],
      "risks": [
        "Privacy and data quality",
        "Change fatigue",
        "Unclear accountability",
        "Regulatory capture",
        "Over-automation of judgement"
      ]
    },
    {
      "entity_id": "B-003127",
      "entity_name": "Superannuation Industry Stewardship Group",
      "folder_name": "Superannuation-Industry-Stewardship-Group",
      "category": "Risk & Assurance",
      "scale": "small",
      "title": "Recommendation tracker for audits, reviews, and inquiries",
      "idea": "Publish a single internal tracker for audit/review recommendations, owners, due dates, and implementation evidence.",
      "quote": "Service issues feature in around 80% of complaints, with one quarter raised as the primary issue.",
      "impact": "High",
      "effort": "Low",
      "proof": "Evidence-backed",
      "beneficiaries": "Executives / assurance teams",
      "source": "pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)",
      "implementation": [
        "Pick one high-volume process or document family.",
        "Name an owner and baseline current volume, time, cost, and satisfaction.",
        "Run a 4-8 week pilot with clear before/after metrics.",
        "Publish lessons and decide whether to scale."
      ],
      "risks": [
        "Privacy and data quality",
        "Change fatigue",
        "Unclear accountability",
        "Regulatory capture",
        "Over-automation of judgement"
      ]
    },
    {
      "entity_id": "B-003127",
      "entity_name": "Superannuation Industry Stewardship Group",
      "folder_name": "Superannuation-Industry-Stewardship-Group",
      "category": "Risk & Assurance",
      "scale": "large",
      "title": "Integrated assurance and lessons-learned system",
      "idea": "Create an assurance system that connects audit findings, risk registers, delivery reviews, and investment decisions.",
      "quote": "Service issues feature in around 80% of complaints, with one quarter raised as the primary issue.",
      "impact": "Very High",
      "effort": "High",
      "proof": "Evidence-backed",
      "beneficiaries": "Executives / assurance teams",
      "source": "pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)",
      "implementation": [
        "Create a senior responsible owner and cross-functional delivery team.",
        "Map legislation, data, privacy, procurement, cyber, and workforce constraints.",
        "Co-design with users and frontline staff before technology selection.",
        "Stage delivery through pilots, benefits tracking, and public reporting."
      ],
      "risks": [
        "Privacy and data quality",
        "Change fatigue",
        "Unclear accountability",
        "Regulatory capture",
        "Over-automation of judgement"
      ]
    },
    {
      "entity_id": "B-003127",
      "entity_name": "Superannuation Industry Stewardship Group",
      "folder_name": "Superannuation-Industry-Stewardship-Group",
      "category": "Citizen Services",
      "scale": "small",
      "title": "Plain-language service pages and proactive status updates",
      "idea": "Rewrite high-volume pages and letters into plain language, add status notifications, and measure contact reduction.",
      "quote": "Self-managed super fund illegal early access estimate\nIllegal early access from SMSFs in 2022–23 was estimated at $252 million, a slight increase from the previous year.",
      "impact": "High",
      "effort": "Low",
      "proof": "Evidence-backed",
      "beneficiaries": "Citizens / service users",
      "source": "pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)",
      "implementation": [
        "Pick one high-volume process or document family.",
        "Name an owner and baseline current volume, time, cost, and satisfaction.",
        "Run a 4-8 week pilot with clear before/after metrics.",
        "Publish lessons and decide whether to scale."
      ],
      "risks": [
        "Privacy and data quality",
        "Change fatigue",
        "Unclear accountability",
        "Digital exclusion",
        "Low public trust if feedback is not acted on"
      ]
    },
    {
      "entity_id": "B-003127",
      "entity_name": "Superannuation Industry Stewardship Group",
      "folder_name": "Superannuation-Industry-Stewardship-Group",
      "category": "Citizen Services",
      "scale": "large",
      "title": "Single front door for life-event based services",
      "idea": "Bundle services around life events so citizens can complete related steps across agencies in one journey.",
      "quote": "Self-managed super fund illegal early access estimate\nIllegal early access from SMSFs in 2022–23 was estimated at $252 million, a slight increase from the previous year.",
      "impact": "Very High",
      "effort": "High",
      "proof": "Evidence-backed",
      "beneficiaries": "Citizens / service users",
      "source": "pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)",
      "implementation": [
        "Create a senior responsible owner and cross-functional delivery team.",
        "Map legislation, data, privacy, procurement, cyber, and workforce constraints.",
        "Co-design with users and frontline staff before technology selection.",
        "Stage delivery through pilots, benefits tracking, and public reporting."
      ],
      "risks": [
        "Privacy and data quality",
        "Change fatigue",
        "Unclear accountability",
        "Digital exclusion",
        "Low public trust if feedback is not acted on"
      ]
    },
    {
      "entity_id": "B-003127",
      "entity_name": "Superannuation Industry Stewardship Group",
      "folder_name": "Superannuation-Industry-Stewardship-Group",
      "category": "Data & Performance",
      "scale": "small",
      "title": "KPI evidence register with named owners",
      "idea": "Create a simple register mapping each KPI to source data, owner, frequency, target, and last result.",
      "quote": "Overall death benefit complaints are expected to remain broadly in line with last year, with a decline in complaints about delays reflecting improved fund performance.",
      "impact": "High",
      "effort": "Low",
      "proof": "Evidence-backed",
      "beneficiaries": "Executives / Parliament / public",
      "source": "pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)",
      "implementation": [
        "Pick one high-volume process or document family.",
        "Name an owner and baseline current volume, time, cost, and satisfaction.",
        "Run a 4-8 week pilot with clear before/after metrics.",
        "Publish lessons and decide whether to scale."
      ],
      "risks": [
        "Privacy and data quality",
        "Change fatigue",
        "Unclear accountability"
      ]
    },
    {
      "entity_id": "B-003127",
      "entity_name": "Superannuation Industry Stewardship Group",
      "folder_name": "Superannuation-Industry-Stewardship-Group",
      "category": "Data & Performance",
      "scale": "large",
      "title": "Outcome dashboard linking budget, delivery, and public impact",
      "idea": "Build a public-facing outcome dashboard showing spend, outputs, outcomes, and delivery confidence.",
      "quote": "Overall death benefit complaints are expected to remain broadly in line with last year, with a decline in complaints about delays reflecting improved fund performance.",
      "impact": "Very High",
      "effort": "High",
      "proof": "Evidence-backed",
      "beneficiaries": "Executives / Parliament / public",
      "source": "pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)",
      "implementation": [
        "Create a senior responsible owner and cross-functional delivery team.",
        "Map legislation, data, privacy, procurement, cyber, and workforce constraints.",
        "Co-design with users and frontline staff before technology selection.",
        "Stage delivery through pilots, benefits tracking, and public reporting."
      ],
      "risks": [
        "Privacy and data quality",
        "Change fatigue",
        "Unclear accountability"
      ]
    },
    {
      "entity_id": "B-003127",
      "entity_name": "Superannuation Industry Stewardship Group",
      "folder_name": "Superannuation-Industry-Stewardship-Group",
      "category": "Case Processing",
      "scale": "small",
      "title": "Triage queue for stuck or ageing cases",
      "idea": "Use existing case data to flag ageing, duplicate, incomplete, or high-risk cases for earlier intervention.",
      "quote": "It was noted that that the Minister recently cited $21.5 billion in lost and unclaimed super as at the end of 2025, an increase of around $2.6 billion in 6 months.",
      "impact": "High",
      "effort": "Low",
      "proof": "Evidence-backed",
      "beneficiaries": "Applicants / case officers",
      "source": "pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)",
      "implementation": [
        "Pick one high-volume process or document family.",
        "Name an owner and baseline current volume, time, cost, and satisfaction.",
        "Run a 4-8 week pilot with clear before/after metrics.",
        "Publish lessons and decide whether to scale."
      ],
      "risks": [
        "Privacy and data quality",
        "Change fatigue",
        "Unclear accountability"
      ]
    },
    {
      "entity_id": "B-003127",
      "entity_name": "Superannuation Industry Stewardship Group",
      "folder_name": "Superannuation-Industry-Stewardship-Group",
      "category": "Case Processing",
      "scale": "large",
      "title": "End-to-end case processing redesign",
      "idea": "Redesign the case pathway around risk-based triage, reusable evidence, and automated eligibility checks.",
      "quote": "It was noted that that the Minister recently cited $21.5 billion in lost and unclaimed super as at the end of 2025, an increase of around $2.6 billion in 6 months.",
      "impact": "Very High",
      "effort": "High",
      "proof": "Evidence-backed",
      "beneficiaries": "Applicants / case officers",
      "source": "pages/about.html (https://www.ato.gov.au/about-ato/consultation/in-detail/stewardship-groups-key-messages/superannuation-industry-stewardship-group/2026/superannuation-industry-stewardship-group-key-messages-4-march-2026)",
      "implementation": [
        "Create a senior responsible owner and cross-functional delivery team.",
        "Map legislation, data, privacy, procurement, cyber, and workforce constraints.",
        "Co-design with users and frontline staff before technology selection.",
        "Stage delivery through pilots, benefits tracking, and public reporting."
      ],
      "risks": [
        "Privacy and data quality",
        "Change fatigue",
        "Unclear accountability"
      ]
    }
  ],
  "legislation_administered": [],
  "artifacts": [],
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