Legal analysis: five insurances and one gold are compulsory by the state. Based on the average monthly salary of individuals in the previous year, companies and individuals pay according to a certain proportion, so everyone's five insurances and one gold are different. In addition, it may be slightly different from place to place. The five insurances include: endowment insurance: 8% for individuals and 22% for units; Medical insurance: individuals pay 2%, and units pay10%; Unemployment insurance: individuals pay 1%, and units pay 2%; Industrial injury insurance and maternity insurance: only paid by the employer, and individuals do not need to pay.

Legal basis: Article 64 of People's Republic of China (PRC) Social Insurance Law includes basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.