I actually wouldn't mind using a module like Parse::FixedLength because in my experience I have had to deal alot with fixed length records, but, like tilly says, I wouldn't rebind everything on every record.

I'd probably use an OO approach, passing in the info and creating the neccessary shortcut data structures on a (maybe) a new() method, and then use a parse() method for every record using unpack behind the scenes like in my earlier example.