Definition

The annual return employers (and unions) must file for ERISA-covered benefit plans with 100+ participants. Filed with DOL/IRS. Public-record dataset including plan sponsor, participants, assets, broker of record, carrier, and plan-year financials.

For brokers

Form 5500 is the public dataset Velora's Signal Engine pulls from. Recent broker-of-record changes, late filings, and below-median benefits cost are all real outreach signals.

Authority source

DOL Form 5500 search

Related in compliance & regulatory

ERISA

The 1974 federal law that governs employer-sponsored benefits.

TCPA

1991 federal law restricting telemarketing calls, autodialer use, prerecorded messages, and SMS marketing.

CTIA

The wireless carrier industry trade association.

10DLC

10-digit long code A2P registration — the carrier program that sanctions sending app-to-person SMS from a regular phone number.

Velora speaks the broker domain natively.

SIC, enrolled lives, renewal month, current carrier — every term in this glossary corresponds to a field Velora's outbound engine actually uses for targeting, segmentation, and cadence selection.

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