Is the base of endowment insurance technology 3800 low? If it is annual, then the base of endowment insurance is a bit low. If it is 3,800 yuan per month, then the base of endowment insurance is not low, because the proportion of the payment base of endowment insurance for flexible employees is 60% to 300%. If it is 15, and you pay 3800 yuan every month, then your pension should be 6000 yuan after retirement. If you pay 3,800 yuan a year, then your retirement pension should be between 800~ 1000, because the base of the pension insurance you choose to receive annually and monthly is different.