diff --git a/frontend/src/pages/social-insurance/AccountCard.tsx b/frontend/src/pages/social-insurance/AccountCard.tsx
index a75132b..485889d 100644
--- a/frontend/src/pages/social-insurance/AccountCard.tsx
+++ b/frontend/src/pages/social-insurance/AccountCard.tsx
@@ -339,53 +339,97 @@ export function AccountCard({
                   </div>
                 </>
               ) : (
-                <div className="grid md:grid-cols-4 gap-3 text-sm">
-                  <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">缴费基数下限</span><span className="font-medium">¥{fmt(config.baseMin)}</span></div>
-                  <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">缴费基数上限</span><span className="font-medium">¥{fmt(config.baseMax)}</span></div>
-                  {config.medicalBaseMin > 0 && (
-                    <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">医保基数下限</span><span className="font-medium">¥{fmt(config.medicalBaseMin)}</span></div>
-                  )}
-                  {config.medicalBaseMax > 0 && (
-                    <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">医保基数上限</span><span className="font-medium">¥{fmt(config.medicalBaseMax)}</span></div>
-                  )}
-                  <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">养老(企业/个人)</span><span className="font-medium">{config.pensionOrg}% / {config.pensionEmp}%</span></div>
-                  <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">医疗(企业/个人)</span><span className="font-medium">{config.medicalOrg}% / {config.medicalEmp}%{(config.medicalOrgExtra > 0 || config.medicalEmpExtra > 0) && ` + ¥${fmt(config.medicalOrgExtra)}/¥${fmt(config.medicalEmpExtra)}`}</span></div>
-                  <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">失业(企业/个人)</span><span className="font-medium">{config.unemploymentOrg}% / {config.unemploymentEmp}%</span></div>
-                  <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">工伤(企业)</span><span className="font-medium">{config.injuryOrg}%</span></div>
-                  <div className="flex justify-between border-b pb-1.5"><span className="text-gray-500">生育(企业)</span><span className="font-medium">{config.maternityOrg}%</span></div>
-                  {/* 最低工资标准（内联编辑，仅社保） */}
-                  <div className="flex justify-between items-center border-b pb-1.5">
-                    <span className="text-gray-500">最低工资标准</span>
-                    <div className="flex items-center gap-1.5">
-                      <Input
-                        type="number"
-                        value={minWageInput}
-                        onChange={(e) => setMinWageInput(e.target.value)}
-                        placeholder="0"
-                        className="w-20 h-7 text-sm text-right"
-                      />
-                      <Button
-                        size="sm"
-                        variant="secondary"
-                        onClick={() => updateMinWageMutation.mutate()}
-                        disabled={updateMinWageMutation.isPending}
-                        className="h-7 px-2 text-xs whitespace-nowrap"
-                      >
-                        {updateMinWageMutation.isPending ? '保存中' : '保存'}
-                      </Button>
+                <div className="space-y-3">
+                  {/* 缴费基数范围 */}
+                  <div className="bg-gray-50 rounded-lg p-3">
+                    <div className="text-xs font-medium text-gray-400 mb-2">缴费基数范围</div>
+                    <div className="grid grid-cols-2 md:grid-cols-4 gap-3 text-sm">
+                      <div className="flex flex-col">
+                        <span className="text-xs text-gray-400">下限</span>
+                        <span className="font-medium">¥{fmt(config.baseMin)}</span>
+                      </div>
+                      <div className="flex flex-col">
+                        <span className="text-xs text-gray-400">上限</span>
+                        <span className="font-medium">¥{fmt(config.baseMax)}</span>
+                      </div>
+                      {config.medicalBaseMin > 0 && (
+                        <div className="flex flex-col">
+                          <span className="text-xs text-gray-400">医保基数下限</span>
+                          <span className="font-medium">¥{fmt(config.medicalBaseMin)}</span>
+                        </div>
+                      )}
+                      {config.medicalBaseMax > 0 && (
+                        <div className="flex flex-col">
+                          <span className="text-xs text-gray-400">医保基数上限</span>
+                          <span className="font-medium">¥{fmt(config.medicalBaseMax)}</span>
+                        </div>
+                      )}
                     </div>
                   </div>
-                  {Array.isArray(config.extraInsurances) && config.extraInsurances.map((ins: any, idx: number) => (
-                    <div key={idx} className="flex justify-between border-b pb-1.5">
-                      <span className="text-gray-500">{ins.name}(企业/个人)</span>
-                      <span className="font-medium">
-                        {ins.baseType === 'fixed'
-                          ? `¥${ins.fixedAmount} / ¥${ins.empFixedAmount || 0}`
-                          : `${ins.orgRate}% / ${ins.empRate}%`
-                        }
-                      </span>
+                  {/* 险种费率 */}
+                  <div className="bg-gray-50 rounded-lg p-3">
+                    <div className="text-xs font-medium text-gray-400 mb-2">险种费率（企业 / 个人）</div>
+                    <div className="grid grid-cols-2 md:grid-cols-4 gap-3 text-sm">
+                      <div className="flex flex-col">
+                        <span className="text-xs text-gray-400">养老</span>
+                        <span className="font-medium">{config.pensionOrg}% / {config.pensionEmp}%</span>
+                      </div>
+                      <div className="flex flex-col">
+                        <span className="text-xs text-gray-400">医疗</span>
+                        <span className="font-medium">{config.medicalOrg}% / {config.medicalEmp}%{(config.medicalOrgExtra > 0 || config.medicalEmpExtra > 0) && ` + ¥${fmt(config.medicalOrgExtra)}/¥${fmt(config.medicalEmpExtra)}`}</span>
+                      </div>
+                      <div className="flex flex-col">
+                        <span className="text-xs text-gray-400">失业</span>
+                        <span className="font-medium">{config.unemploymentOrg}% / {config.unemploymentEmp}%</span>
+                      </div>
+                      <div className="flex flex-col">
+                        <span className="text-xs text-gray-400">工伤</span>
+                        <span className="font-medium">{config.injuryOrg}%</span>
+                      </div>
+                      <div className="flex flex-col">
+                        <span className="text-xs text-gray-400">生育</span>
+                        <span className="font-medium">{config.maternityOrg}%</span>
+                      </div>
+                      {Array.isArray(config.extraInsurances) && config.extraInsurances.map((ins: any, idx: number) => (
+                        <div key={idx} className="flex flex-col">
+                          <span className="text-xs text-gray-400">{ins.name}</span>
+                          <span className="font-medium">
+                            {ins.baseType === 'fixed'
+                              ? `¥${ins.fixedAmount} / ¥${ins.empFixedAmount || 0}`
+                              : `${ins.orgRate}% / ${ins.empRate}%`}
+                          </span>
+                        </div>
+                      ))}
                     </div>
-                  ))}
+                  </div>
+                  {/* 其他标准 */}
+                  <div className="bg-gray-50 rounded-lg p-3">
+                    <div className="text-xs font-medium text-gray-400 mb-2">其他标准</div>
+                    <div className="grid grid-cols-2 md:grid-cols-4 gap-3 text-sm">
+                      {/* 最低工资标准（内联编辑，仅社保） */}
+                      <div className="flex flex-col">
+                        <span className="text-xs text-gray-400">最低工资标准</span>
+                        <div className="flex items-center gap-1.5 mt-0.5">
+                          <Input
+                            type="number"
+                            value={minWageInput}
+                            onChange={(e) => setMinWageInput(e.target.value)}
+                            placeholder="0"
+                            className="w-20 h-7 text-sm text-right"
+                          />
+                          <Button
+                            size="sm"
+                            variant="secondary"
+                            onClick={() => updateMinWageMutation.mutate()}
+                            disabled={updateMinWageMutation.isPending}
+                            className="h-7 px-2 text-xs whitespace-nowrap"
+                          >
+                            {updateMinWageMutation.isPending ? '保存中' : '保存'}
+                          </Button>
+                        </div>
+                      </div>
+                    </div>
+                  </div>
                 </div>
               )}
             </Card>