I think that besides the employer and employee contributions there are voluntary contributions including including, but by no means limited to, contributions in the form of deposits into ordinary savings accounts whose funds can be then applied in the purchase of a lease on an unit with the additional incentive of the members being able to derive extra gov subsidized interest income of around 1% or 2% on certain amounts while the funds deposited into such accounts are being left unused. In my opinion, the capital thing to have in mind is that this is not super money because super funds are to be invested in certain schemes for release only once retirement is reached.
