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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.

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. 

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.

Why MJ

Driven by passion.

Inspired through leadership.

Fueled by curiosity.

Pushed by determination.

Empowered by innovation.

Focused on fun.

Affordability for Medical Coverage

Thursday, May 22, 2025

Whether an employer offers affordable medical coverage impacts eligibility for premium tax credits toward individual Marketplace coverage. In addition, applicable large employers must offer affordable medical coverage if they want to avoid employer shared responsibility rules under §4980H. Therefore, it is important for employers to understand and communicate whether coverage offered under an employer-sponsored group health plan is “affordable.” We’ll dive into the details of how to calculate a medical plan’s affordability for employees and their family members to help employers when setting plan contribution rates. In addition, for applicable large employers, we’ll address how to use the affordability safe harbors and how to report offers of coverage to avoid §4980H(b) penalties.

Register here

Future In Focus: 2026 Economic Outlook

Wednesday, June 25, 2025

Get the knowledge and insights you need to thrive in today’s uncertain economic climate.

Reserve your spot for our upcoming economic seminar and join us as we share financial market trends, projected changes in the economic landscape, and business strategies and tactics to help you navigate the future with confidence!

Virtual registration is also available. 

register here

Common Employer Questions

Thursday, June 26, 2025

This month we’ll address some of the most common benefit compliance questions we’re helping employers work through in 2025. The topics will range from everyday compliance issues (e.g., mid-year election changes) that continue to cause confusion, to struggles with how to comply with recent additions or changes to compliance requirements in accordance with the ever-changing laws and regulations.

Register here

What’s On Our Minds

Compensation and Total Rewards
PUBLISHED May 20th, 2025

How Employers Are Shaping Sustainable Compensation Strategies in 2025

Julie Bingham

After years of pressure on compensation programs due to a highly competitive labor market, changing employee priorities, and rising inflation and cost of living, …

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Benefits+
PUBLISHED May 16th, 2025

HSA/HDHP Limits Will Increase for 2026

DeAnn Deck

On May 1, 2025, the IRS released Revenue Procedure 2025-19 to provide the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health …

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Benefits+
PUBLISHED May 15th, 2025

New Executive Order Aims to Reduce Drug Costs by Aligning with Global Prices

DeAnn Deck

On May 12, 2025, President Donald Trump issued an executive order (EO) that aims to bring the prices Americans pay for prescription drugs in …

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Compliance
PUBLISHED May 15th, 2025

Form 5500 Deadline is July 31

DeAnn Deck

Each year, employers that are subject to the Employee Retirement Income Security Act of 1974 (ERISA) must electronically file an annual report (Form 5500) …

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Benefits+
PUBLISHED May 14th, 2025

Important Court Ruling May Impact Employer ACA Shared Responsibility Payments

DeAnn Deck

A recent federal court ruling has major implications for how the IRS enforces the Affordable Care Act (ACA)’s Employer Shared Responsibility Provisions (ESRP). Employers …

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MJ Foundation
PUBLISHED May 14th, 2025

The MJ Companies’ Philanthropic Foundation Hosts First-Ever Pickleball Tournament

The MJ Companies

PHOENIX (May 13, 2025) – The MJ Companies, a leading financial services firm for over 60 years, successfully hosted its annual MJ Foundation fundraiser …

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Benefits+
PUBLISHED May 8th, 2025

Keep Employees Informed About Mental Health Benefits

The MJ Companies

Chances are good that you’re paying (and paying a lot) for mental health benefits employees aren’t even aware of. Chances are also good that …

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News and Updates
PUBLISHED May 6th, 2025

Celebrating Three Years In Colorado

The MJ Companies

As we mark our third anniversary of MJ’s presence in Colorado, we are filled with immense gratitude for the milestones we’ve achieved, the relationships …

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Benefits+
PUBLISHED May 2nd, 2025

Keeping Up With Compliance Quarterly—Q2 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 …

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Contact

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