The MJ Companies

Construction projects are complex, requiring considerable coordination of people, materials, equipment and schedules, increasing contractors’ exposure to operational, financial and liability risks. While insurance can help manage the financial impact of unexpected events, it is most effective as part of a broader risk management approach that focuses on reducing key exposure...

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

The Affordable Care Act (ACA) requires health insurance issuers and self-insured plan sponsors to pay Patient-Centered Outcomes Research Institute fees (PCORI fees). The fees are reported and paid annually using IRS Form 720, the Quarterly Federal Excise Tax Return.

Form 720 and full payment of the PCORI fees are due by July 31 of each year, and ge...

It hasn’t been long since the tide turned and interest shifted from college to trade school. As the repercussions of our declining birth rates reverberate through the labor market, competition for workers is going to get fierce. It’s fascinating to me to watch these shifts and how they impact benefits programs—in this case bringing a longstanding benefit from the trades into...

On May 29, 2026, th...