MJ Insight

Explore MJ Insight, where we cover trending topics, provide industry insights, and keep you up-to-date on the latest compliance regulations.

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Risk Management
Risk Management

Addressing 4 Common Sources of Commercial Property Insurance Claims

PUBLISHED September 24th, 2026
The MJ Companies

Commercial property insurance claims can arise from numerous unexpected events. An electrical fire may destroy critical equipment; a severe storm may hit without warning, damaging a building’s exterior and allowing water to enter the property; or an act of vandalism (…)

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Employee Benefits
PUBLISHED September 22nd, 2026

High-Cost Claims: Why a Small Number of Members Drive Most Healthcare Costs 

Alina Junkermeier

Healthcare costs often feel unpredictable—but when you break down the data, a clear pattern emerges. Across nearly every employer population, a very small percentage …

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Employee Benefits
PUBLISHED September 16th, 2026

Why Group Captive Insurance Is Helping Employers Control Rising Healthcare Costs 

Byron Shultz

Rising healthcare costs are forcing employers to rethink how they fund and manage employee benefits. As specialty drug spending, high-cost claims, and medical inflation …

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News and Updates
PUBLISHED September 14th, 2026

The MJ Companies Hires Viridiana Schoenfeld as Employee Benefits Consultant 

The MJ Companies

Leading business and financial services firm expands employee benefits consulting capabilities with strategic hire in Phoenix office  PHOENIX (Sept. 14, 2026) – The MJ …

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Compliance
PUBLISHED September 10th, 2026

Implementing a Trump Account Contribution Program

The MJ Companies

Trump Accounts are a new tax-advantaged savings program for children under the age of 18, effective for tax years beginning in 2026. These accounts …

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Retirement
PUBLISHED September 9th, 2026

Making it Easy Could Lead to Poor Outcomes

Doug Prince

Making things easier is usually a good thing: easier enrollment, easier reporting, easier access to benefits. But when it comes to retirement plans, sometimes making a …

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Compliance
United States Capitol building dome with American flag waving against a clear blue sky, showcasing architectural details and government symbolism.
PUBLISHED August 28th, 2026

IRS PROPOSES RULES FOR DEPENDENT CARE FSA NONDISCRIMINATION TESTING

Bryan Gross

On Aug. 11, 2026, the IRS issued proposed rules addressing nondiscrimination testing requirements for dependent care flexible spending accounts (FSAs). This marks the first …

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Employee Benefits
People looking over a piece of paper on a table with a laptop
PUBLISHED August 13th, 2026

AN ICHRA MAY SOLVE A COST PROBLEM. BUT IS IT SOLVING THE RIGHT PROBLEM?

Courtney Hutchison

For employers facing rising healthcare costs, the search for sustainable benefits strategies has become increasingly urgent. Organizations are looking for ways to create more …

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Employee Benefits
A glass chart with a glass arrow pointing upwards
PUBLISHED August 12th, 2026

THE STOP-LOSS MARKET IS CHANGING. HERE’S WHERE EMPLOYERS SHOULD FOCUS.

Paige Beilby

If your most recent stop-loss renewal felt more challenging than usual, you’re not alone. Over the past year, I’ve had more conversations with employers …

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Compliance
Architectural details of classical columns from a historic building, showcasing intricate carvings and a low-angle perspective highlighting the grandeur of the structure.
PUBLISHED August 7th, 2026

MEDICARE PART D CREDITABILITY UPDATE

Bryan Gross

Employers are not required to offer creditable prescription drug coverage, but they are required to determine and communicate creditable (or non-creditable) status to eligible …

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Compliance
Close-up view of marble columns with the American flag visible in the background, capturing the architectural details of a historic building.
PUBLISHED July 24th, 2026

EBSA RELEASES AGENDA OUTLINING UPCOMING REGULATORY ACTIONS

Bryan Gross

On July 3, 2026, the Trump administration released its 2026 Regulatory Plan and Unified Agenda of Regulatory and Deregulatory Actions (Agenda), identifying its significant …

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Retirement
Married couple sitting at a table looking at bills with a computer.
PUBLISHED July 23rd, 2026

RETIREMENT ISN’T JUST A BENEFIT – IT’S A STRATEGY

Doug Prince

Retirement plans are often measured by participation rates, match levels, and account balances. But those metrics tell only part of the story. More organizations …

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Benefits+
Male doctor with little child in medical clinic
PUBLISHED July 16th, 2026

The State Of The Benefits Market: What Employers Need To Know Now

Kevin Sliwa

At MJ’s recent Economic Outlook, our team shared perspectives on the forces shaping today’s business and benefits landscape—from rising healthcare costs to evolving insurance …

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