Coverage by line
Premium dollars by benefit type (bundled lines overlap)
- Health$3.2M
- Dental$379K
- Vision$379K
- Life$379K
- Short-term disability$379K
- Long-term disability$379K
Sponsor portfolio
CUBRC INC.
EIN 22-2505934researchLatest filing 2025
Plans
9
Retirement
1
$49.6M assets
Welfare
8
$6.1M premiums
Participants
1,445
4455 GENESEE ST STE 106 - BUFFALO, NY 142251955716-204-5100cubrc.orgLinkedIn51-200 employeesresearch
Plans on this EIN
9 filings#002401k-$49.6M - 281 part#541Fully Insured-$3.2M - 171 lives#535Fully Insured-$2.2M - 118 lives#542Fully Insured-$379K - 202 lives#540Fully Insured-$152K - 183 lives#534Fully Insured-$81K - 137 lives#533Fully Insured-$44K - 128 lives#532Fully Insured-$28K - 42 lives#531Fully Insured-$18K - 183 lives
Benefits portfolio analytics
8 plans / $6.1M premiums / 1,164 covered livesCarrier market share
Premium dollars by Schedule A carrier
89%top
- BLUE CROSS OF CALIFORNIA89%
- THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA11%
Broker market share
Schedule A broker compensation
100%top
- GALLAGHER BENEFIT SERVICES, INC.100%
Plan deep-dives
Per-plan teasers. The full analytics (fees vs peers, audit grade, trajectory, counterparties) live on each plan detail page.Retirement#002
CUBRC AND AVARINT EMPLOYEE RETIREMENT PLAN
401k
Assets$49.6M
Participants281
Inside the deep dive
Fees vs peersAudit gradeAsset trajectoryContributionsSch C providers
Open plan deep dive
Welfare#541
CUBRC AND AVARINT HM
Fully Insured - HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC
Premiums$3.2M
Covered lives171
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#535
CUBRC INDEPENDENT HEALTH
Fully Insured - INDEPENDENT HEALTH BENEFITS CORPORATION
Premiums$2.2M
Covered lives118
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#542
CUBRC AND AVARINT GUARDIAN BENEFITS
Fully Insured - THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
Premiums$379K
Covered lives202
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#540
CUBRC AND AVARINT GUARDIAN DENTAL
Fully Insured - GUARDIAN
Premiums$152K
Covered lives183
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#534
CUBRC STD & SLTD MOO
Fully Insured - MUTUAL OF OMAHA INSURANCE COMPANY
Premiums$81K
Covered lives137
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#533
CUBRC TERM LIFE MOO
Fully Insured - COMPANION LIFE INSURANCE COMPANY
Premiums$44K
Covered lives128
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#532
CUBRC TERM LIFE VOL MOO
Fully Insured - COMPANION LIFE INSURANCE COMPANY
Premiums$28K
Covered lives42
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Welfare#531
CUBRC AND AVARINT GUARDIAN VISION
Fully Insured - GUARDIAN
Premiums$18K
Covered lives183
Inside the deep dive
Premium breakdownCarriersBrokersCoverage stats
Open plan deep dive
Retirement plans1
| Plan # | Name | Type | Assets | Participants | Latest year | |
|---|---|---|---|---|---|---|
| 002 | CUBRC AND AVARINT EMPLOYEE RETIREMENT PLAN | 401k | $49.6M | 281 | 2024 |
Welfare plans8
| Plan # | Name | Funding | Carrier | Premiums | Covered | Latest year | |
|---|---|---|---|---|---|---|---|
| 541 | CUBRC AND AVARINT HM | Fully Insured | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | $3.2M | 171 | 2025 | |
| 535 | CUBRC INDEPENDENT HEALTH | Fully Insured | INDEPENDENT HEALTH BENEFITS CORPORATION | $2.2M | 118 | 2024 | |
| 542 | CUBRC AND AVARINT GUARDIAN BENEFITS | Fully Insured | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $379K | 202 | 2025 | |
| 540 | CUBRC AND AVARINT GUARDIAN DENTAL | Fully Insured | GUARDIAN | $152K | 183 | 2024 | |
| 534 | CUBRC STD & SLTD MOO | Fully Insured | MUTUAL OF OMAHA INSURANCE COMPANY | $81K | 137 | 2024 | |
| 533 | CUBRC TERM LIFE MOO | Fully Insured | COMPANION LIFE INSURANCE COMPANY | $44K | 128 | 2024 | |
| 532 | CUBRC TERM LIFE VOL MOO | Fully Insured | COMPANION LIFE INSURANCE COMPANY | $28K | 42 | 2024 | |
| 531 | CUBRC AND AVARINT GUARDIAN VISION | Fully Insured | GUARDIAN | $18K | 183 | 2024 |
Retirement plans
Welfare plans