| PLS-SEM | GSCA | PLS-SEM (reduced) | GSCA (reduced) | |
Measurement model |
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Average variance extracted (AVE) | 0.293 | 0.332 | 0.348 | 0.391 | |
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Outer loadings of reflective indicators |
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Salary sacrifice | 0.396 | 0.504 | 0.392 | 0.509 | |
Non-concessional contributions | 0.303 | 0.428 | Dropped | Dropped | |
Financial advice | 0.539 | 0.693 | 0.532 | 0.706 | |
Seminars | 0.475 | 0.667 | 0.470 | 0.684 | |
Default/non-default investment options | 0.837 | 0.545 | 0.857 | 0.580 | |
Structural model (path coefficients) |
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Complexity | 0.422 | 0.352 | 0.435 | 0.371 | |
Uncertainty | −0.079 | −0.097 | −0.054 | −0.076 | |
Coefficient of determination (R2) | 0.205 | 0.139 | 0.205 | 0.143 |