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Sponsor portfolioWelfare / HealthEIN 22-2505934
CUBRC INC.
d/b/a CUBRC INC AND AVARINT LLC
4455 GENESEE ST STE 106 · BUFFALO, NY 142251955
7162045100
- Plans filed
- 24
- Years active
- 2015–2025
- Industry
- NAICS 54
- Latest filing
- 2025
Total premiums (latest)
$3.5M
No prior year
Persons covered
373
No prior year
Total participants
373
No prior year
Plans filed
24
No prior year
Plans under this sponsor
24 plans
Plan #541$3.2M
CUBRC AND AVARINT HM
Fully insured171 covered·1 carrier
Primary: HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC
Plan #535$2.2M
CUBRC INDEPENDENT HEALTH
Fully insured118 covered·1 carrier
Primary: INDEPENDENT HEALTH BENEFITS CORPORATION
Plan #524$1.5M
CUBRC IHA PLAN
Fully insured97 covered·1 carrier
Primary: INDEPENDENT HEALTH BENEFITS CORPORATION
Plan #505$1.3M
CUBRC IHP PLAN
Fully insured87 covered·1 carrier
Primary: INDEPENDENT HEALTH BENEFITS CORPORATION
Plan #542$379K
CUBRC AND AVARINT GUARDIAN BENEFITS
Fully insured202 covered·1 carrier
Primary: THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
Plan #540$152K
CUBRC AND AVARINT GUARDIAN DENTAL
Fully insured183 covered·1 carrier
Primary: GUARDIAN
Plan #508$150K
CUBRC AND AVARINT DENTAL & VISION PLAN
Fully insured134 covered·1 carrier
Primary: GUARDIAN
Plan #530$145K
CUBRC AND AVARINT METLIFE DENTAL PLAN
Fully insured384 covered·1 carrier
Primary: METROPOLITAN LIFE INSURANCE COMPANY
Plan #523$140K
CUBRC AND AVARINT DENTAL VISION PLAN
Fully insured149 covered·1 carrier
Primary: GUARDIAN
Plan #503$90K
DELTA DENTAL OF NEW YORK
Fully insured97 covered·1 carrier
Primary: DELTA DENTAL OF NEW YORK
Plan #534$81K
CUBRC STD & SLTD MOO
Fully insured137 covered·1 carrier
Primary: MUTUAL OF OMAHA INSURANCE COMPANY
Plan #506$81K
CUBRC STD AND LTD
Mixed105 covered·1 carrier
Primary: FIRST UNUM LIFE INSURANCE COMPANY
Plan #533$44K
CUBRC TERM LIFE MOO
Fully insured128 covered·2 carriers
Primary: COMPANION LIFE INSURANCE COMPANY
Plan #520$40K
CUBRC STD AND LTD
Fully insured106 covered·1 carrier
Primary: MUTUAL OF OMAHA INSURANCE COMPANY
Plan #510$37K
CUBRC STD AND LTD
Fully insured102 covered·1 carrier
Primary: MUTUAL OF OMAHA INSURANCE COMPANY
Plan #501$37K
CUBRC GROUP TERM LIFE AND ADD
Fully insured104 covered·1 carrier
Primary: FIRST UNUM LIFE INSURANCE COMPANY
Plan #521$33K
CUBRC TERM LIFE AND ADD
Fully insured101 covered·2 carriers
Primary: COMPANION LIFE INSURANCE COMPANY
Plan #511$30K
CUBRC TERM LIFE AND ADD
Fully insured91 covered·2 carriers
Primary: COMPANION LIFE INSURANCE COMPANY
Plan #532$28K
CUBRC TERM LIFE VOL MOO
Fully insured42 covered·2 carriers
Primary: COMPANION LIFE INSURANCE COMPANY
Plan #522$26K
CUBRC TERM LIFE VOLUNTARY
Fully insured35 covered·2 carriers
Primary: COMPANION LIFE INSURANCE COMPANY
Plan #504$21K
CUBRC VOLUNTARY LIFESTYLE LIFE AND ADD
Fully insured25 covered·1 carrier
Primary: FIRST UNUM LIFE INSURANCE COMPANY
Plan #531$18K
CUBRC AND AVARINT GUARDIAN VISION
Fully insured183 covered·1 carrier
Primary: GUARDIAN
Plan #509$18K
CUBRC TERM LIFE VOLUNTARY
Fully insured30 covered·2 carriers
Primary: COMPANION LIFE INSURANCE COMPANY
Plan #502$14K
CUBRC AND AVARINT VISION PLAN
Fully insured139 covered·1 carrier
Primary: VSP VISION
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Health | $3.2M | 62.6% | |
| Dental | $379K | 7.5% | |
| Vision | $379K | 7.5% | |
| Life | $379K | 7.5% | |
| Short-term disability | $379K | 7.5% | |
| Long-term disability | $379K | 7.5% |
Carrier overview
2 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 161105741 | H | $3.2M | 89.3% | 1 | 1 | 171 |
EIN 135123390 | DVLSTDLTD | $379K | 10.7% | 1 | 1 | 202 |
Broker overview
1 broker · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. | CHICAGO, IL | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $101K | $10K | $111K | 100.0% | 2 |
History & trajectory
11 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan