As the Commonwealth Government seeks to wring better value from the superannuation system, the interests of ordinary fund members must be kept front and centre. In this submission to the Productivity Commission’s inquiry into alternative default models, Grattan Productivity Growth Program Director Jim Minifie notes that most members will not have the skills to weigh up a range of products. He urges the commission to bear in mind that the average member is neither as well-informed nor well-funded as the superannuation funds, and he proposes new analyses to help ensure ordinary default members get the biggest benefits from the next round of reforms to the system.