Legal analysis: The payment base of endowment insurance is generally calculated according to the average salary of employees in the previous year. Under special circumstances, there are upper and lower limits. If my average monthly salary is lower than 6% of the local average monthly salary, I will pay 6% of the local average monthly salary; If it exceeds 3% of the average wage of local employees, it will be paid at 3% of the average monthly wage of local employees, and the excess part will not be recorded in the base of payment wage, nor will it be recorded in the base of pension.

legal basis: social insurance law of the people's Republic of China

article 4 the people's Republic of China and employers and individuals within China pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

individuals enjoy social insurance benefits according to law and have the right to supervise the payment made by their own units.

article 5 the people's governments at or above the county level shall incorporate social insurance into the national economic and social development plan.

the state raises social insurance funds through multiple channels. People's governments at or above the county level shall give necessary financial support to social insurance undertakings.

the state supports social insurance through preferential tax policies.