Which is more cost-effective-3000 for five insurances and one gold and 5000 for five insurances and one gold?

In fact, the labor cost of a job with five insurances and one gold and a salary of 3,000 yuan is similar to that of an employer with a salary of 5,000 yuan per month.

For the employees themselves, 8% of the contribution base is borne by individuals for endowment insurance, 2% by individuals for medical insurance, 0.2% to 1% by individuals for unemployment insurance and 5% to 12% by individuals for housing accumulation fund. In this way, the salary paid by employees is only 78% to 85% of the salary payable by individuals.

For the part borne by the employer, the employer of endowment insurance shall bear 16% of the payment base, the employer of medical insurance shall bear 6% to 12% of the payment base, the industrial injury insurance shall be 0.2% to 1.62%, and the unemployment insurance shall generally not exceed 2%. Maternity insurance is now included in medical insurance. 5% to 12% of housing accumulation fund. In this way, the proportion borne by the employer can account for more than 40%.

At present, the lower limit of social security payment base in all parts of the country is generally above 3500 yuan to 4000 yuan. According to the proportion of 60%, you need to pay 2 100 yuan to 2400 yuan for five insurances and one gold every month. Therefore, the cost of having five insurances and one gold salary of 3,000 yuan is almost the same as the pure salary of 5,000 yuan.