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.

Learn more

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.

Determining Full-Time Status

Thursday, September 25, 2025

This month’s webinar will offer practical advice to help employers determine full-time status and ensure compliance with benefit eligibility requirements. We will cover the differences in requirements for small employers versus applicable large employers as well as for different types of benefits. We will explain the monthly measurement method versus the look-back measurement method and the break in service rules for leaves of absence and rehires. Examples will be provided to help employers manage different types of common employee positions.

ERISA and Cafeteria Plan Documents

October 23, 2025, 3:00 ET

Join us for a session on ERISA plan documentation requirements, where we will cover the essential content and distribution requirements for plan documents and summary plan descriptions (SPD) and the risks associated with non-compliance. We’ll explore how wrap documents can be utilized to incorporate missing ERISA content requirements and consolidate separate benefits into a single ERISA plan, simplifying your annual Form 5500 filings. Additionally, we will discuss best practices for reviewing and updating plan documentation to ensure it reflects any changes. This session is crucial for anyone involved in benefits administration and compliance. Don’t miss this opportunity to enhance your understanding and ensure your plans are up to date.

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

Pharmacy

PUBLISHED August 26th, 2025

WHAT LOOKS LIKE A PHARMACY BENEFIT SOMETIMES ISN’T: THE J-CODE CONUNDRUM

Chris Antypas

From what I’ve seen, more than three quarters of employers are facing at least one J-code issue. And because medically administered and infused drugs …

Compliance

PUBLISHED August 21st, 2025

Keeping Up with Compliance Quarterly—Q3 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 August 20th, 2025

Helping Students and Graduates Start their Careers

Britni Shrout

Entering a new career is a challenge for anyone, no matter how much training and drive a candidate has. Unemployment among recent graduates is …

News and Updates

PUBLISHED August 19th, 2025

The MJ Companies Welcomes Anu Dhamecha as Director of Pharmacy Practice

The MJ Companies

INDIANAPOLIS (August 19, 2025) – The MJ Companies (MJ), a leading business and financial services consulting firm for more than 60 years, is continuing …

Risk Management

PUBLISHED August 18th, 2025

Most Lines of Business Softened in Q2 2025, The Council’s P+C Market Survey Shows

The MJ Companies

Softened market conditions were again evident this quarter. Premiums across all account sizes rose by an average of 3.7%, down from 4.2% in Q1 …

Benefits+

PUBLISHED August 14th, 2025

Small Changes, Big Impact: Low-Cost Ways to Support Employees through Inflation

Julie Bingham

As inflation headlines re-emerge, many employers are contemplating shifts in their remote and hybrid work policies. Organizations are working hard to balance two competing …

Risk Management

PUBLISHED August 12th, 2025

Five Strategies for Reducing Workers’ Compensation Costs

The MJ Companies

When a company experiences significant increases in workers’ compensation costs, it usually triggers internal activities aimed at reducing insurance costs and spending. The key …

Compliance

PUBLISHED August 8th, 2025

DOL Issues Updated Model Employer CHIP Notice

DeAnn Deck

The U.S. Department of Labor (DOL), through its Employee Benefits Security Administration (EBSA), has released a new model Employer CHIP Notice with information current …

Benefits+

PUBLISHED August 7th, 2025

How Employers Should Handle MLR Rebates

DeAnn Deck

The Affordable Care Act (ACA) established medical loss ratio (MLR) rules to help control health care coverage costs and ensure that enrollees receive value …

See More Content

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