ReferenceIn flight — request accessForm 5500 Broker-of-Record Cheat Sheet
How to read a Form 5500 filing, find broker-of-record changes, and turn the public dataset into a same-day prospect list.
What's inside
- How to find every employer in your state filing 5500 with 100+ enrolled lives
- The 6 fields on a 5500 that drive outbound (broker on file, plan year, late filing, carriers, participant counts, financials)
- BOR-change detection: what to look for, why brokers change, how to time the outreach
- EFAST search step-by-step (with screenshots) — finding the public file in under 2 minutes
- Sample cadence templates by signal: BOR change (T-0), late filing (T-30), plan-cost outlier (T-90)
For
Solo brokers and producers running their own prospecting
Full description
The Form 5500 dataset is the most underused outbound signal source in benefits — every employer with 100+ enrolled lives is required to file annually with the DOL. The filings include the current broker-of-record, plan participants, plan-year financials, late-filing flags, and carrier on record. All of it is public. Most brokers don't know this data exists, and the ones who do don't know how to query it efficiently.
This cheat sheet walks through the filing structure, the fields that actually matter for outbound, the cadence triggers we recommend (BOR change, late filing, large headcount swing, plan-cost outlier), and the EFAST search interface step-by-step. It's the same playbook Velora's Signal Engine encodes — written so you can run it manually if you want to validate before subscribing.
TCPA + State-by-State Outbound Compliance Matrix
Every state's mini-TCPA, AI-voice disclosure preamble, quiet-hours rule, and STOP/HELP requirement — in one PDF, kept current.
What's inside
- Every state's quiet hours + day-of-week rules (with citations)
- Mini-TCPA states: FL, WA, OK, MD — what's different + the elevated penalty exposure
- AI-voice disclosure preambles (TX SB 140, CA AB 2905) — exact required language
- STOP / HELP / UNSUBSCRIBE timing per channel (CTIA, RFC 8058, CAN-SPAM)
- 10DLC A2P registration walkthrough for benefits-broker SMS programs
- Real penalty case-study sidebar: settlements + judgments from the last 24 months
For
Sales leaders, compliance officers, AppSec / procurement reviewers
Full description
TCPA enforcement is the single highest legal risk on a benefits-outbound program. Federal TCPA caps penalties at $500 per violation ($1,500 willful), but the real exposure is from state mini-TCPAs (FL, WA, OK, MD), AI-voice disclosure laws (TX SB 140, CA AB 2905), and the carrier-level filtering that kicks in if your CTIA / 10DLC / RFC 8058 posture isn't tight.
This matrix encodes every state's quirks in one document — quiet hours, day-of-week restrictions, AI-voice disclosure preamble (with the exact required language), opt-out timing requirements, and the federal layer that applies on top. It's a working reference, updated quarterly. The same data drives Velora's dispatch-layer enforcement, but the document stands alone — you can hand it to a compliance officer or producer training session and they get the rules without buying the platform.
The Benefits Broker Outbound Playbook
The 9-touch multi-channel cadence that ships 6–14% reply rates on broker prospect lists, with the timing, channel selection, and copy frameworks.
What's inside
- 9-touch cadence diagram with timing windows + branching logic on reply
- Channel selection rules: which signal → which channel (renewal month, BOR change, network disruption, etc.)
- Copy frameworks: openers that reference Form 5500 data, AI-voice scripts, RVM tone
- Reply-classification taxonomy (the 6 labels that gate the next-touch decision)
- What NOT to send: the failed patterns we've watched producers cycle through
- ROI math: typical reply→meeting and meeting→won conversion rates with the published methodology
For
Sales leaders + producers on agencies running multi-channel outbound
Full description
What actually works on benefits-broker prospect lists. Drawn from the playbook layer that powers Velora pilots — written so you can run it on whatever stack you already have, even if it's a Lemlist + Calendly + spreadsheet starter setup.
The playbook covers the 9-touch sequence (email → AI voice agent → SMS → RVM → email → LinkedIn → SMS → email → manual call), the timing windows (T-7 / T-14 / T-21 / T-30 / T-45), the channel selection rules (which signal triggers which channel), and the copy frameworks that move reply rates from <2% to 6–14%. It's the inverse of generic SaaS outbound advice — every recommendation here is specific to brokers selling benefits to employers.
Benefits RFP Response Template
The 80-question canonical benefits RFP, with broker-tested answer frameworks and the sections most prospects actually read.
What's inside
- The 80-question canonical RFP — every question we've seen across 100+ benefits RFPs
- Answer frameworks for the high-impact sections (capabilities, fee structure, references, security)
- Voice-profile worksheet: how to adapt the standard answers to your agency's tone
- Differentiator inventory: a 12-question prompt to extract what you actually do better
- Reference-quote framework: how to source and ship reference quotes that don't sound coached
- Pricing-section template: 4 fee structures explained + when each one wins
For
Producers + sales leaders responding to RFPs at any agency size
Full description
Benefits RFPs are 80%+ standardized. Most brokers re-write the same answers from scratch every time — and most prospects skim the first 6 sections before deciding.
This template ships the 80-question canonical RFP with answer frameworks for each section, the sections that move the decision (and the ones nobody reads), and a producer's voice profile worksheet for adapting the standard answers to your agency's tone. Velora's AI RFP-response builder generates from the same framework; the template stands alone if you're not on the platform yet.