Fire and Emergency Services Superannuation Fund — superannuation fund performance
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Fire and Emergency Services Superannuation Fund reported A$1.1bn of total assets for 2,623 member accounts (average balance A$346k) in APRA's fund-level statistics for the year to 30 June 2025, with a one-year rate of return of 9.4%.
| Total assets | A$1.1bn |
| Member accounts | 2,623 |
| Average member balance | A$346k |
| 1-year rate of return | 9.4% |
| 5-year rate of return (annualised) | 7.9% |
| 10-year rate of return (annualised) | 6.4% |
| Investment options offered | — |
What running the fund costs
For its reporting year ended 30 June 2025, Fire and Emergency Services Superannuation Fund ran on an operating expense ratio of 0.5% — the running cost per dollar of savings (0.5% is 50 cents per A$100 a year). Payments to related parties — companies connected to the fund's own trustee or owner group — came to A$944k, equal to roughly 22.5% of its administration bill (a related-party payment is disclosed, not improper — but it is worth knowing who the fund pays).
| Operating expense ratio | 0.5% |
| Investment expense ratio | 0.1% |
| Administration and operating expenses | A$4.2m |
| Executive remuneration (expensed to the fund) | A$218k |
| Director remuneration | A$70k |
| Payments to related parties | A$944k |
The annual performance test
Every year the regulator tests most super products against a benchmark portfolio — fail twice and the product must close to new members. As at 30 June 2025, 3 of this fund's products and options were tested, and every one of them passed:
| Product / option | Type | Test result | 10-yr return | Admin fee |
|---|---|---|---|---|
| FESS Super — Smoothed | Choice | Pass | 7.2% | 0.2% |
| FESS Super — Moderate | Choice | Pass | 5.1% | 0.2% |
| FESS Super — Fixed Interest | Choice | Pass* | — | 0.2% |
Does the insurance pay out?
Most super accounts carry insurance, paid from your balance. The admittance rate is the share of finalised claims the insurer accepted in the year to 30 June 2025 — the single best number for "does this cover actually pay".
| Cover type | Claims accepted (1-yr) | Claims paid | Premiums collected | Insurer |
|---|---|---|---|---|
| Life insurance (death cover) | — | — | A$17k | AIA Australia Limited |
| Total & permanent disability (TPD) | — | — | A$25k | AIA Australia Limited |
| Income protection | — | — | A$689k | AIA Australia Limited |
The gender gap in this fund
In Fire and Emergency Services Superannuation Fund, women's average balance was 53.8% lower than men's — from the fund-level member demographics APRA last published for the year to 30 June 2022:
| Average balance — female members | A$159k |
| Average balance — male members | A$344k |
| Member accounts (female / male) | 623 / 1,883 |
Compare Fire and Emergency Services Superannuation Fund with similar funds
The funds closest to Fire and Emergency Services Superannuation Fund in size, side by side — each with its own page for the fees, insurance and performance-test detail:
| Fund | Assets | 1-yr return | 10-yr return | Why comparable |
|---|---|---|---|---|
| Perpetual's Select Superannuation Fund | A$1.2bn | 8.9% | 6.4% | Similar size |
| Meat Industry Employees Superannuation Fund | A$1.2bn | 8.9% | 7.4% | Similar size |
| Mason Stevens Super | A$1.3bn | 8.6% | — | Similar size |
| NESS Super | A$1.4bn | 10.7% | 6.7% | Similar size |
| The Bendigo Superannuation Plan | A$1.5bn | 10.0% | 5.3% | Similar size |
| Perpetual WealthFocus Superannuation Fund | A$1.5bn | 10.5% | 6.9% | Similar size |
Questions this page answers
How big is Fire and Emergency Services Superannuation Fund?
Fire and Emergency Services Superannuation Fund held A$1.1bn in total assets for 2,623 member accounts in the APRA fund-level statistics for the year to 30 June 2025.
What return has Fire and Emergency Services Superannuation Fund delivered?
Fire and Emergency Services Superannuation Fund reported a 9.4% one-year rate of return, and 6.4% a year over the past ten years, at whole-of-fund level in the APRA fund-level statistics.
What does Fire and Emergency Services Superannuation Fund charge in fees?
Fire and Emergency Services Superannuation Fund reported an operating expense ratio of 0.5% and an investment expense ratio of 0.1% for its reporting year ended 30 June 2025 — the running cost per dollar of savings (APRA fund-level statistics).
Did Fire and Emergency Services Superannuation Fund's products pass the performance test?
3 of Fire and Emergency Services Superannuation Fund's products and options were tested against the regulator's annual performance test as at 30 June 2025, and every one passed.
See also: Australian super in numbers — marketing spend, expenses, the gender gap and two decades of consolidation across all APRA-regulated funds · all tracked plans.