One key reason the retail super funds are in decline is their lack of intra-fund servicing agreements. Like LIF commission cuts, the retail funds fail to understand why their representatives stubbornly refuse to work for free. This is why there are now 970 new advisers at Union Super fund central, and 4000 less advisers with the retail funds. It's basic paycheck stuff. If the adviser cannot cover his overheads, he will rearrange his affairs where he can.