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It's time to raise your expectations.

The MJ Companies offers strategic guidance and industry expertise that help organizations make smarter business decisions around risk, benefits, & business challenges.

SUBSCRIBE TO STAY INFORMED

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
Illustration of a modern data analysis workspace featuring two professionals interacting with a digital display. One person is pointing at a data visualization with historical and projection graphs, while another is engaged in conversation. In the background, a third individual observes data on a tablet, highlighting teamwork and data-driven decision-making in a collaborative environment.

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
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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
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Why MJ

Illustration of a woman with curly hair holding a large heart, symbolizing love and compassion, with colorful accents in her outfit.

Driven by passion.

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Inspired through leadership.

Illustration of a healthcare professional holding a magnifying glass, symbolizing investigation or analysis in a medical context. The figure is depicted in a simple, colorful style with a green shirt and a stethoscope, emphasizing the theme of health and inquiry.

Fueled by curiosity.

Illustration of a smiling man holding a frame, surrounded by colorful clouds, representing creativity and innovation.

Pushed by determination.

Illustration of a scientist in a lab coat holding a test tube and a flask, smiling and conducting an experiment, representing chemistry and scientific research.

Empowered by innovation.

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Focused on fun.

Mid-Year Election Changes

November 19, 2026 3:00 PM ET

When employees request mid-year benefit changes, the rules aren’t always straightforward. In this session, we’ll examine the interaction between HIPAA special enrollment rights and Section 125 cafeteria plan election change rules, highlighting when changes must be permitted—and when they may be restricted. We’ll also explore key differences between requests to add coverage versus drop coverage mid-plan year, helping employers administer changes consistently and compliantly.

Register Here

End of Year Wrap-Up & Looking Forward to 2027

December 17, 2026 3:00 PM ET

The compliance landscape for health and welfare benefit plans continued to evolve throughout 2026. As the year winds down, this webinar will recap the most impactful regulatory developments and compliance changes from 2026 and what they mean for employers. We’ll also preview what’s ahead in 2027, including anticipated rules, deadlines, and trends that could shape benefit planning.

REGISTER HERE

What’s On Our Minds

Benefits+
A group of people sitting around a table with the photo being taken from above. The people are reviewing documents, taking notes, and typing on a laptop.
PUBLISHED November 10th, 2026

Why Good Outcomes Don’t Always Equal Good Governance

Bryan Gross

If you’ve worked in employee benefits long enough, you’ve probably experienced some version of this scenario. An organization makes a significant benefits decision. They …

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News and Updates
PUBLISHED November 10th, 2026

The MJ Companies Hires Kevin Murff as Associate Director of Analytics

The MJ Companies

Leading business and financial services firm underscores commitment to data-driven insights with strategic hire in Tennessee office  NASHVILLE (November 10, 2026) – The MJ …

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Compliance
A white piggy bank on a brown wooden table with a stethoscope just out of frame.
PUBLISHED November 9th, 2026

IRS Releases Health FSA Limits for 2027

Bryan Gross

HIGHLIGHTS On Nov. 5, 2026, the IRS released Revenue Procedure 2026-35, which includes the 2027 inflation-adjusted limits for health flexible spending accounts (FSAs). For …

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Risk Management
PUBLISHED November 5th, 2026

The Hidden Risk in Your Organization May Not Be What You Think

Adam Adler

Organizations today have access to more information than ever before. Claims data, incident reports, near misses, workforce demographics, vehicle telematics, training records, inspection results, …

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Risk Management
A fleet of white vans lined up in a row.
PUBLISHED November 4th, 2026

What’s driving high commercial auto rates—and what you can do 

Payton Greenlee

If your employees drive for work, you’ve seen commercial auto rates keep climbing. Premiums and repair costs have risen year after year, and there’s …

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Compliance
A pregnant woman sits at her desk looking at her laptop with her hand over her stomach.
PUBLISHED October 30th, 2026

A New Approach to Maternity Billing and Its Impact on Employers

Bryan Gross

For decades, maternity care in the United States has been billed under a single bundled fee covering an entire pregnancy, from the first prenatal …

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Risk Management
PUBLISHED October 29th, 2026

Subcontractor Risk: Why Your Certificates Might Not Protect You 

Dylan Wilson

If you’re a general contractor, you probably collect certificates of insurance from every subcontractor (sub) before they set foot on the job. That’s a …

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Compliance
A computer with a man in a suit typing on it that has an email notification on the screen
PUBLISHED October 28th, 2026

The Next Fiduciary Decision May Already Be Sitting In Your Inbox 

Bryan Gross

When most employers think about fiduciary decisions, they picture major moments. Selecting a health plan vendor. Evaluating a pharmacy benefit manager. Establishing a benefits …

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MJ Foundation
PUBLISHED October 27th, 2026

MJ Foundation Donates $15,000 To Dayspring Center in Memory of Late Executive Director

The MJ Companies

Donation part of longstanding relationship, serves to carry on Lori Casson’s legacy and support families experiencing homelessness in Indianapolis   CARMEL, IND. – The MJ …

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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