If you are not, the first thing you can do is take it up with your employer.The Australian Taxation Office (ATO) can also help you with information and advice on your super entitlements and recovering any contributions your employer has not paid. Each account will typically have a fixed administration charge of at least 0 a year.

According to recent research conducted for the Association of Superannuation Funds of Australia, the top reason people haven’t consolidated their accounts is because they just haven’t gotten around to it. Another reason people have multiple accounts is that they think it will be too hard or complicated to consolidate.

While in the past consolidating accounts involved filling in numerous forms, now all you need to do is use the my Gov website.

ASFA found around a quarter of Australians aged 15 to 19 had a superannuation account as did around 75 per cent of those aged 20 to 24.

Average balances are not that large but are substantial relative to what most people had in their bank account.

Better yet, if you login to My AMP all of your details will be pre-populated, making it even easier to consolidate your super and saving you time.

It’s important to consider your particular circumstances and read the relevant product disclosure statement before deciding what’s right for you. Check with AUSfund to see if any lost or unclaimed super has been sent there Step 4. There are two primary ways to find any lost or unclaimed superannuation. For a more comprehensive search of all your superannuation, you’ll need to register for a secure login with the ATO. Use the ATO Super Seeker search tool to track down all your super Step 3.While insurance coverage can be beneficial you should check to see you have the cover you want or need, particularly if you have more than one account.More than 25 per cent of people aged under 29 report they are not sure whether they have insurance cover, let alone knowing anything about its details. All you have to do is log into your My Gov account and go to the ATO section to view the superannuation accounts you hold.If you’ve had more than one job, chances are you also have more than one super account, especially if you have been happy to go with your employer’s default fund.