I think that is a HUGE generalisation and those things could apply to pretty well ANY super fund, SMSF, Industry, wholesale platform or old-style retail, although the latter one probably would have most of them, which is why most newer public offer ones these days are wholesale ones, where MER's can be low(er than Industry Funds etc) but may not have contribution fees and no commissions only agreed fees.
Even some Industry ones charge employers to accept their contributions, from what I have seen.
Let's also not forget that insurance premiums (not fees) are a premium for insurance - if you don't want it you cancel it and don't pay it. Not relevant to this discussion I thought. Also, what is a 'beneficiary fee'?
Overall, was there a point to what you were saying or was it just a generalisation about stuff you have read somewhere? Just askin'
