I would just like to reinforce peterhag's response.
The default seems to be to include insurance. If your contribution level is modest then you can't afford insurance as the fee will be larger than your contribution.
The default investment style is "balanced". This will incur fees often greater than modest contributions. Specify a cash investment fund, or maybe choose a superannuation bank account, as the fees will be lower (or zero).
And whilst I don't want "my" money forced into a super fund by the government, history has shown that when faced with a choice, people will spend their money and rely on the pension. If we did not force people to contribute 9%, then most likely our taxes would be 9% higher. It's probably good that young people are faced, at an early stage, with the consequences of saving for their future, by being responsible for their own contributions, and aware of investment options.
