Legal analysis: Well, the personal account of endowment insurance is 200,000, which is not only normal, but also relatively high. If you retire at the age of 60 according to 139 months, the personal account pension is 200,000 yuan/139 = 1439 yuan, which has not yet calculated the basic pension or even the transitional pension. If added up, the pension can reach the level of more than 4000 yuan. Let's do some calculations. Suppose you start to pay the endowment insurance from 1992 and retire in 2020, that is, you have paid the endowment insurance for 28 years. According to the total account of 200,000 yuan, the average annual payment is about 7 100 yuan, which is almost 592 yuan per month. Then your pension insurance payment base should be 100 yuan of the local average wage. Then when the personal account balance of pension insurance reaches such a high level, it should not be ordinary enterprise employees, but middle and senior managers of enterprises. Because their salary level is high, the social security payment base will be higher, so the balance in the personal account of endowment insurance will be so high every month.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Eleventh basic old-age insurance to implement the combination of social pooling and individual accounts. The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Thirteenth employees of state-owned enterprises and institutions to participate in the basic old-age insurance, the basic old-age insurance premiums payable during the payment period shall be borne by the government. When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.