Border workers are being "robbed" of superannuation, with an analysis of tax office data showing 11,880 have missed out on an average of $1870 each year.
Industry Super Australia has investigated taxation data from the 2016/17 financial year.
A report shows Albury-Wodonga is a "hotspot" for workers missing compulsory payments, with the body labelling the twin cities "one of the worst regional areas in the county for unpaid super".
Industry Super Australia chief executive Bernie Dean called on Border members of parliament to act.
"This should be a wake-up call for local members," he said.
"This is daylight robbery and it cannot continue.
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"Allowing employers to continue robbing workers in Albury-Wodonga of their super entitlement means these workers are going to end up worse off at retirement.
"While most employers do the right thing, unless we see action from the major parties, those dodgy employers are going to continue taking advantage of lax laws, a weak regulator and insufficient penalties to rip off these hard working Australians."
Mr Dean described the issue as "systematic exploitation".
"The easiest way to end this exploitation and ensure workers in Albury-Wodonga are paid their super is to simply legislate that all employers must deposit money into a workers super account at the same time as they deposit their salary into their bank account," he said.
A report notes men, low wage earners and those in blue collar jobs are more like to be underpaid superannuation.
Nearly half of all young adults earning under $30,000 are underpaid, the report states.
The body says $5.94 billion is being "ripped off" from Australian workers, with 2.85 million Australians being short-changed.
The report calls for better monitoring of super payments, stronger enforcement action, for payments to be made alongside salaries, and stronger penalties for employers who don't comply as a deterrent.
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