There is no "universal" Church over and above the local Churches, because each and every one of the local Churches is the whole Catholic Church.
I do not find that to be the thought of Ratzinger or many theologians in the Catholic Church. He repeatedly uses the term "precedes" or "prior to". That does not mean or even imply "over and above" as you seem to infer. The key word is communion. He does not equate the particular church of Rome with the Catholic Church although, I am sure, he cannot envision a fully Catholic communion without her, anymore than there could have been a full communion of the Apostles without their head, Peter. In the upper room at Pentecost the whole Catholic Church is present. It is ontologically and temporally prior to the establishment of particular churches and would be present in them in so far as they remain in this communion. If their communion is only creedal and sacramental,(as is the Catholic view of the Orthodox) they are true particular churches, but not fully Catholic. It is tough, nuanced thought and I am not sure that I completely comprehend it. On the other hand, I cannot help but feel that your disagreement is with a misunderstanding you have of it, but I do not anticipate your agreement with me.