In Fujian Xiamen, a social security base of 20,100 yuan doesn't correspond to a specific "grade" in the traditional sense. Social security bases in Xiamen usually have upper and lower limits, and the specific amount is determined based on factors such as personal income and relevant regulations.

1. Relationship with upper and lower limits

• In 2024, for enterprise employees' basic pension insurance in Xiamen, the upper limit of the payment base is 22,164 yuan/month, and the lower limit is 3,300 yuan/month. A base of 20,100 yuan is within this range, indicating that it is a relatively high - income - level - corresponding base for employees. For example, if an employee's monthly salary is around this amount, the social security contribution will be calculated based on this base.

• For urban employees' basic medical insurance (including maternity insurance), from July 1, 2023, the upper limit of the payment base is 21,060 yuan, and the lower limit is 4,212 yuan. Since 20,100 yuan is close to this upper limit, it shows that for medical insurance contributions, it also falls into a relatively high - level payment range.

2. Impact on social security contributions

• Pension insurance: For Xiamen - registered employees, the pension insurance contribution rate is 22% (14% paid by the unit and 8% paid by the individual). If the payment base is 20,100 yuan, the monthly pension insurance contribution by the unit is 20,100×14% = 2814 yuan, and the individual contribution is 20,100×8% = 1608 yuan.

• Medical insurance: From January 1 to December 31, 2024, for employees, the employer's medical insurance contribution rate is reduced by 1 percentage point from 7.5% to 6.5%, and the individual still pays 2%. With a base of 20,100 yuan, the employer's monthly medical insurance contribution is 20,100×6.5% = 1306.5 yuan, and the individual contribution is 20,100×2% = 402 yuan.

In general, a social security base of 20,100 yuan in Xiamen represents a relatively high - income - based payment level, which has a significant impact on the amount of various social security contributions paid by individuals and units, and is also related to future social security treatment levels such as pensions and medical insurance reimbursements. When calculating specific social security contributions, it is recommended to refer to the latest local policies and regulations for accurate calculation.

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