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.

October Compliance Webinar: Employer Reporting

Thursday, October 17, 2024

Employer reporting season is upon us with many vendors requiring data soon for the 2024 calendar year to begin preparing Form 1094s and 1095s for submission to the IRS early in 2025. Along with a refresher on the employer reporting requirements, we’ll address some of the most common employer questions and misunderstandings for reporting offers of coverage to full-time employees and enrollment data.

November Compliance Webinar: Annual Limits for HSAs, Health FSAs, & DCAPs

Thursday, November 14, 2024

The IRS provides several options for tax-favored reimbursement of different expenses, but the rules vary significantly between benefit options. Some accounts are subject to contribution limits, while others are subject to reimbursement limits. And then to complicate things further, some limits apply on a calendar year basis, while others are tied to the employer’s plan year. This webinar will clarify the 2025 annual limits, and how they apply to each type of benefit, including when there is a change in plan year or short plan year, or when employees join mid-year.

December Compliance Webinar: End of the Year Benefits Wrap-Up

Thursday, December 12, 2024

As 2024 is coming to an end, we’d like to highlight some of the important employee benefits compliance issues and changes that have taken place during the year and then look forward to developments expected in 2025 that may impact your benefit plans.

What’s On Our Minds

Benefits+

PUBLISHED October 1st, 2024

Employer Considerations for Navigating Election Season

Ann Poland

Election season can be a fraught time for employers. Employers are often faced with the challenge of fostering a culture of open communication while …

MJ Foundation

PUBLISHED September 24th, 2024

There’s More to Their Story

Britni Shrout

The story begins in Ethiopia on July 21, 2006, the day Gabriel Chufamo Deely was born. Shortly after, Gabriel was adopted by the Deely …

Benefits+

PUBLISHED September 20th, 2024

EBSA Releases Updated Cybersecurity Guidance for Employee Benefit Plans

Ann Poland

Through Compliance Assistance Release No. 2024-01, the U.S. Department of Labor’s Employee Benefits Security Administration (EBSA) is confirming that the cybersecurity guidance it issued …

Benefits+

PUBLISHED September 17th, 2024

Pay-or-Play Affordability Percentage Will Increase for 2025

Ann Poland

On Sept. 6, 2024, the IRS released Revenue Procedure 2024-35 to index the contribution percentage in 2025 for determining the affordability of an employer’s …

News and Updates

PUBLISHED September 10th, 2024

THE MJ COMPANIES NAMED A 2024 BEST PRACTICES AGENCY

The MJ Companies

The MJ Companies retained its Best Practices status for 2024, joining an elite group of independent insurance agencies from across the United States. The …

Benefits+

PUBLISHED September 6th, 2024

Increased Civil Penalty Amounts for SBC, MSP, HIPAA Violations

Ann Poland

On Aug. 8, 2024, the U.S. Department of Health and Human Services (HHS) published a final rule increasing key penalties affecting group health plans. …

Risk Management

PUBLISHED September 3rd, 2024

Commercial Property/Casualty Market Index Q2/2024

The MJ Companies

Signs of softened property and casualty market conditions were evident in Q2 2024, according to The Council of Insurance Agents & Brokers’ quarterly survey. …

Benefits+

PUBLISHED August 30th, 2024

Upcoming Deadline: MLR Rebates

Ann Poland

Employers with insured group health plans may soon receive a medical loss ratio (MLR) rebate from their health insurance issuers. Issuers who did not …

Risk Management

PUBLISHED August 27th, 2024

The Truth About Captives

Byron Shultz

More control and greater potential for financial reward are two benefits of captives. But you may be wondering if it’s worth making the switch. …

See More Content

Contact

Indianapolis

Location

571 Monon Blvd.
Suite 400
Carmel, IN 46032

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

Phoenix

Location

3900 E. Camelback Rd.
Suite 225
Phoenix, AZ 85018

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

Denver

Location

201 Columbine St.,
Suite 300
Denver, CO 80206

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