My experience is that it can be very easy to (consolidate) move super from one fund into another (existing fund). Having done this many times, over the past 20 years, it has become easier each time. It only needs a phone call, or perhaps an online chat session to set the wheels in motion.
I’ve never had to pay a fee or loose any super in the process. The fund I have been transferring to has provided the forms by mail. Typically I may have needed to provide a certified copy of my ID (EG from a JP), and paid a few dollars to return the docs using a priority tracable mail service.
In respect of asset allocations within funds the rules seem to vary too much for there to be one simple answer. Some allow free switching or changes with limits on how often. Others based on your age lock your allocations to their own rules.
Typically my experience of industry funds is that they are the least flexible, but best performing. The retail funds with a few exceptions have been the most flexible, but much more variable in their performance.
I’ve had approx 20 different super accounts in a full lifetime of employment. The system certainly needs reform in many areas, providing it is for the increased benefit of the customer and not the provider?