In Zhejiang Jinhua, a social security base of 11,500 yuan represents a relatively high - income - level standard. Here's a breakdown:

1. Comparison with the base range: In 2025, the lower limit of the social security contribution base for employees in Jinhua is 4,462 yuan/month, and the upper limit is 24,930 yuan/month. A base of 11,500 yuan falls well within this range but is significantly higher than the lower limit, indicating that the income level of the person corresponding to this base is relatively high.

2. Calculation of contribution amount:

• For the employer:

• Pension insurance: The unit contribution rate is 16%. With a base of 11,500 yuan, the unit's monthly pension insurance contribution is 11,500×16% = 1840 yuan.

• Medical insurance: The unit contribution rate is 8%, so the unit's monthly medical insurance contribution is 11,500×8% = 920 yuan.

• Unemployment insurance: The unit contribution rate is 2%, and the unit's monthly unemployment insurance contribution is 11,500×2% = 230 yuan. In total, the employer's monthly social security contribution for this employee is 1840 + 920+230 = 2990 yuan.

• For the employee:

• Pension insurance: The individual contribution rate is 8%, so the individual's monthly pension insurance contribution is 11,500×8% = 920 yuan.

• Medical insurance: The individual contribution rate is 2%, and the individual's monthly medical insurance contribution is 11,500×2% = 230 yuan.

• Unemployment insurance: The individual contribution rate is 1%, and the individual's monthly unemployment insurance contribution is 11,500×1% = 115 yuan. In total, the employee's monthly social security contribution is 920 + 230+115 = 1265 yuan.

3. Impact on future benefits:

• Pension benefits: When calculating the basic pension, a higher contribution base (such as 11,500 yuan) will result in a higher index - based average contribution wage. The formula for the basic pension is ​
  (Provincial average wage of on - the - job employees in the previous year+Personal index - based average contribution wage)÷×Contribution years×1%
  . A higher contribution base will increase the value of the personal index - based average contribution wage, thereby increasing the amount of the basic pension received after retirement.

• Medical benefits: Although the medical insurance reimbursement ratio is not directly related to the contribution base, in some areas, a higher contribution base may be associated with a higher amount of personal medical account funds injected, which can be used for outpatient consultations, medication purchases, etc.

In general, a social security base of 11,500 yuan in Jinhua indicates a relatively high - income level of the payer. It not only means higher current contribution amounts for both the employer and the employee but also lays the foundation for relatively higher social security benefits in the future.