It's time to raise your expectations.

We put your future in focus by visualizing your data, identifying trends, and giving you actionable insight.

Get a Glimpse into the Future

Your data tells the story of your business. As MJ’s proprietary analytics tool, APERTURE can help bring your data into focus so you can understand the past—and forecast what’s to come.

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WHAT WE DO

Risk Management

Optimizing your risk management strategy is a crucial part of achieving your business goals. Our team can get you there.

Analytics Risk Services Risk Transfer Claims Consulting Advocacy

MJ BENEFITS+

Our Benefits+ programs are designed to go beyond standard solutions, providing a comprehensive and fully customized approach to employee benefits consulting that prioritizes the health, happiness, and success of your employees.

Benefits Consulting Compensation + Total Rewards Consulting Retirement Consulting Leave + Absence Management

PERSONAL INSURANCE

Personal insurance can be in impersonal business, but not at MJ. We work hard to help you plan for the future and protect what matters most.

Personal Insurance

Why MJ

Driven by passion.

Inspired through leadership.

Fueled by curiosity.

Pushed by determination.

Empowered by innovation.

Focused on fun.

HRA Types & Comparisons

November 20, 2025, 3:00 ET

With many different permitted types of Health Reimbursement Arrangements (HRAs), employers have a wide array of options to provide tax-favored reimbursement for qualifying medical expenses to employees and their family members. But each HRA type has its own compliance requirements, eligibility rules, and strategic use cases. This month’s webinar will discuss many different HRA types, including HRAs integrated with group medical plans, excepted benefit HRAs, qualified small employer HRAs, individual coverage HRAs, and retiree-only HRAs. We’ll explore how each type works, when it might be a good fit, and what employers need to know to stay compliant.

Year-in-Review & Looking Ahead

December 18, 2025, 3:00 ET

Throughout 2025, HR and employee benefits professionals have continued to navigate an evolving compliance landscape for health and welfare benefit plans. As the year draws to a close, this session will highlight the most significant compliance developments and regulatory changes that shaped 2025 and what they mean for your organization. We’ll also look ahead to 2026, previewing upcoming rules, deadlines, and trends that could impact your benefit strategies in the year to come. Whether you’re wrapping up year-end compliance or planning for what’s next, this webinar will help you stay informed and prepared. Examples will be provided to help employers manage different types of common employee positions.

What’s On Our Minds

MJ Foundation

PUBLISHED November 6th, 2025

Reducing Hunger and Food Waste in Colorado

Britni Shrout

Every year, as much as 40% of the food supply in the United States ends up in landfills, and yet, 47.4 million people live in food-insecure …

Risk Management

PUBLISHED November 4th, 2025

E&S Market Soars As Industry Seeks Creative Coverage Options

The MJ Companies

The U.S. excess and surplus lines market continues to notch solid growth, rising 12.3% to $130 billion in direct written premium in 2024 after …

News and Updates

PUBLISHED October 31st, 2025

The MJ Companies named to Greenleaf Servant Leader Hall of Fame

Britni Shrout

It’s nice to get noticed—and even nicer to get noticed for being exactly who you are. We’re honored to have been named to the …

Benefits+

PUBLISHED October 31st, 2025

IRS Releases Health FSA Limits for 2026

DeAnn Deck

On Oct. 9, 2025, the IRS released Revenue Procedure 2025-32 (Rev. Proc. 25-32), which includes the 2026 inflation-adjusted limit on employee salary reduction contributions …

Risk Management

PUBLISHED October 30th, 2025

The Clock is Ticking: Who are you Calling When Hackers Get Access?

Carol Scully

October is Cybersecurity Awareness Month and, although I’m glad it exists, a month’s focus on cybersecurity is hardly enough for an issue that can …

Benefits+

PUBLISHED October 29th, 2025

Keeping Up with Compliance Quarterly—Q4 2025

DeAnn Deck

Keeping up with compliance developments can be difficult and time-consuming. This quarterly update highlights recent legal developments to help your organization stay on top …

MJ Foundation

PUBLISHED October 28th, 2025

Improving Access to Care and Support

Britni Shrout

For Kayla, who earned a living as a musician while pursuing a master’s degree in clinical mental health, the financial hit from being unable …

MJ Foundation

PUBLISHED October 23rd, 2025

Empowering People to Reach Their Full Potential Through Literacy

Britni Shrout

When Vivian immigrated to the United States, she could not read and speak English confidently. This language barrier affected nearly every aspect of her …

Risk Management

PUBLISHED October 21st, 2025

Bricking Coverage in Cyber Insurance

The MJ Companies

Bricking is a type of cyberattack that renders a device unusable, effectively making it a “brick.” It targets hardware—disabling computers, tablets, hard drives, phones …

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contact us

Indianapolis

Location

571 Monon Blvd., Suite 400,
Carmel, IN 46032

Telephone: (317) 805-7500
Fax: (317) 805-7515

Phoenix

Location

2525 E. Camelback Rd., Suite 1150,
Phoenix, AZ 85016

Telephone: (602) 772-3300
Fax: (602) 772-3349

Denver

Location

44 Cook St., Suite 700
Denver, CO 80206

Telephone: (720) 354-3861
Fax: (317) 805-7515

Nashville

Location

21 Platform Way S, 14th Floor
Nashville, TN 37203

Telephone: (615) 942-0968
Fax: (317) 805-7515