Rates of return give you a recent and longer term perspective of how each option has performed. It is important to remember that past performance should not be taken as an indication of future performance. Analyse returns in relation to the performance of the market as a whole to get the big picture.
Keep in mind that the Lump Sum scheme is an untaxed scheme which means returns are reported without taking tax into account. Most other funds are taxed funds and report their investment earnings after tax.
~ Option introduced 1 March 2009
^ Option introduced 1 July 2006