Superannuation, Payday Super and On-Costs for Support Coordination Employers
Support coordination payday super, the 12% guarantee and the full on-cost stack explained — with a worked example of what an employed coordinator really costs
What Payday Super actually changes
The Super Guarantee rate right now
What super is actually calculated on
The full on-cost stack, layer by layer
Worked example: what an employed coordinator really costs
Support coordination payday super and your cashflow
Payroll tax — when it starts to bite
Contractors: you may still owe super
Systems that keep you compliant
Common mistakes support coordination employers make
Before you hire, run these numbers
Frequently asked questions
When does payday super start for support coordination employers?
Payday Super was legislated to commence on 1 July 2026, requiring super to be paid at the same time as wages rather than quarterly, with contributions reaching the employee's fund within a short window of the pay event. Confirm it has passed and check the exact rules on ato.gov.au before relying on the date, as transitional details can move.
What is the current superannuation rate I have to pay staff?
The Super Guarantee rate reached 12% on 1 July 2025 and there are no further scheduled increases. It is calculated on ordinary time earnings, which includes base wages, loadings, allowances and paid leave, but generally excludes overtime and expense reimbursements. Verify the current rate on ato.gov.au before running payroll.
Do I pay super to a coordinator who invoices me with an ABN?
Often yes. If the contract is wholly or principally for the person's labour, the extended definition in the Super Guarantee legislation requires you to pay super on their labour component despite the ABN. A genuine business supplying a result through multiple workers is different — if you are unsure, get advice before the engagement.
Will my support coordination practice have to pay payroll tax?
Only once your total annual wages exceed your state or territory's threshold, which for most states sits above roughly $1 million. Small practices rarely reach it, but operating across multiple states or being grouped with related entities can pull you in sooner. Confirm current thresholds and rates with your state revenue office.
Is the support coordination price limit the same as what I pay an employee?
No. The Level 2 limit of about $100.14 per hour is the maximum you can bill a participant's plan — it is not a wage. What you pay an employed coordinator is set by the SCHADS award (MA000100) and Fair Work, and on top of that wage you carry super and other on-costs. The margin between the two, adjusted for billable utilisation, is your gross profit.