Risk Management Capabilities Guide

RISK MANAGEMENT

CAPABILITIES + SERVICES

TABLE OF

CONTENTS.

04 PURPOSE + CORE VALUES 08 OUR PROCESS 09 DATA DRIVEN APPROACH 10

OUR SOLUTIONS

26

THE MJ DIFFERENCE

NOT YOUR AVERAGE

CONSULTING FIRM.

The MJ Companies is a business and financial services consulting firm that since 1964, has grown from a two-person startup to a firm with over 250 employees. With offices nationwide, we serve a diverse client base that includes local, regional, and national companies, and we work closely with the world’s top insurance carriers. We proudly represent clients in 54 countries and in every U.S. state.

As a family-owned company founded over 60 years ago, MJ takes great pride in our commitment to building strong relationships with our clients, and our relentless pursuit of looking for new and innovative solutions to meet our client’s needs. We strive to learn about every aspect of our client’s business and use that information to design and develop customized programs to fit their needs.

P U S H I N G YO U TO B E YO U R B E S T At MJ, we’re always looking for new ways to inspire success, fulfillment, and wellbeing for every person we work with, from our associates and their families to our business partners, clients, and the community. We’re committed to your future and success, and we continue to push the boundaries of what’s possible, just as we did when we first began.

1 96 4

1 9 76

1982

2001

2006

MJ opened in Anderson, IN.

Established Employee Benefits practice.

Established Energy & Mining practice.

Established Japanese Business practice.

Named one of the “Top 100 Privately Held Independent Agencies in the U.S.” by Insurance Journal.

Established Construction & Manufacturing practices.

1 96 6

1980

1998

2005

Established Personal Insurance practice.

Established Transportation practice.

Became a member of Assurex Global.

Opened Arizona office.

Established Sorority practice.

Page | 4

W E C R E AT E O P P O R T U N I T I E S F O R O U R E M P L OY E E S — A N D B R I G H T E R F U T U R E S F O R O U R C L I E N T S We recognize the importance of strong leaders, which is why we emphasize that each one of our associates—no matter their level of experience or time with the company—should be a leader in their given area. Our company is full of resourceful, motivated people who collaborate as leaders on common ground, all playing different but equally important positions on the team.

By having a culture focused on continually sharing, learning, and educating, we constantly get better at what we do. It’s a critical aspect of our business given the changing landscape of the modern insurance world—because the knowledge we gain is passed on to our clients, helping them manage risk, improve efficiency, and be more successful.

2019

2021

2023

2025

Launched APERTURE®—MJ’s analytics platform.

Named one of the Healthiest Workplaces in America.

200 total employees.

Opened Tennessee office.

® 2016

2020

Established Farm to Fork practice.

Established the MJ Foundation.

Acquired ProCourse Fiduciary Advisors.

Established Retirement and Compensation + Total Rewards Consulting practices.

2022 Opened Colorado office.

Page | 5

Established MJ Absence MGMT practice.

2024 Became The MJ Companies.

Launched MJ Benefits+.

Established MagniPhy Pharmacy Solutions.

O U R C O R E VA L U E S The culture of The MJ Companies can be best described by our core values, which help empower our associates to be their very best in both their personal and professional lives.

PASSIONATE We are driven by passion. It gives our work purpose and gives new meaning to what we do. And working with passion is more than a mindset—it’s a transformative experience that makes us proud of what we accomplish.

INSPIRING Leadership takes passion and commitment. But it also requires you to place the interests of others ahead of your own, while acting as a positive influence to those around you.

We believe that everyone is a valuable part of our team—and that everyone can be an inspiring leader.

CURIOUS Learning is a lifelong process, spurred by a healthy curiosity of the world around us.

By asking questions, seeking answers, and applying what we learn, we push ourselves further down the path of personal growth and development.

DETERMINED Achievement begins with a determination to see results. It is a mindset that combines perseverance and passion into a single vision of what can be achieved by pressing patientlyforward—one step after the next.

INNOVATIVE Innovation starts with future-focused insight, and evolves through the application of a creative vision. Every member of our team is capable of imagining better ways to work, collaborate, and advance our goals. Innovative thinking is the first step toward making the world a better place.

FUN Fun, humor, and joy are part of who you are, and they should be a part of your work.

When we don’t take ourselves too seriously, the world is a brighter, better place. We remember that happiness is not a destination—it’s a journey.

Page | 6

A NATIONALLY RECOGNIZED

FIRM.

+

2025 Indiana Chamber Best Places to Work

+

2025 Denver Business Journal Best Places to Work

+

2025 Indiana Business Journal Largest Independent Insurance Agencies Brokers

+

2025 “Big I” Best Practices Agency

+

2025 Business Insurance Top 100 Brokers of US Business

+

2024 Phoenix Business Journal Best Places to Work

+

2024 Business Insurance Top 100 Brokers of US Business

+

2024 Insurance Journal Top 100 Privately Held Property and Casualty Agency

+

2024 Indiana Business Journal Largest Independent Insurance Agencies Brokers

+

2024 “Big I” Best Practices Agency

Page | 7

DRIVEN BY

PROCESS.

MJ works very closely with our clients to help successfully leverage their insurance and human capital spend. Our approach and value is having the ability to align your business initiatives and objectives with your insurance and risk management strategies. This is our value proposition.

Your MJ team will have conversations that push the curve on new and innovative solutions that may or may not align with your business. Acting as an extension of your risk management team, our job is to help you evaluate your current and future risks and continue to drive down your total cost of risk while helping to alleviate the administrative burden of insurance placement. We see our job as constantly pushing the “status quo” and continuing to evolve and improve the insurance and risk management program to ultimately drive business progression. The “creative” component to our consultative work with you will be developed through conversations together.

The 6-step cycle shown below is an overview of our consultative approach, driven by process innovation.

DISCOVER and understand your goals, initiatives, and objectives

MEASURE monitor and track results

EVALUATE impact on employee benefits or risk management program

ANALYZE current program

IMPLEMENT and execute strategy

DEVELOP and validate strategy

Page | 8

A CLEAR WINDOW

INTO THE FUTURE.

Today, the question isn’t whether you have data that can show you where you’ve been and what might be ahead. The question is, how do you bring that data into focus to help you make forward-thinking decisions about risk management and employee benefits?

The answer is APERTURE®: MJ’s proprietary analytics tool that combines multiple data sources to provide actionable intelligence—data that becomes knowledge you can use to make timely decisions to help protect your business, your employees, and your future. It’s a true breakthrough in analytics—and it’s available only from MJ.

®

A N A LY T I C S M A D E E A S Y ( A N D S M A R T ) Raw data can be confusing and overwhelming. There’s a lot of it, and it comes from multiple sources that can make it difficult to correlate and interpret. That’s where APERTURE shines. APERTURE helps MJ create datadriven strategies especially for you—and presents them in a way that’s incredibly easy to understand and apply. With APERTURE, the numbers come alive and tell a story about your business, giving you the best perspective to spot future trends and ultimately help you decrease costs.

Let us focus on the data, so you can focus on your business.

OUR PROCESS

IDENTIFY

PREDICT

D E V E LO P

IMPLEMENT

MEASURE

Look at historical, current and future trends; benchmark on national, regional and local level; identify cost drivers and potential impact

Predict and forecast future trends; model cost-saving solutions

Create customized reports & develop data-driven recommendations based upon your unique business needs

Work with your MJ consultant to implement targeted solutions

Measure & evaluate impact with APERTURE’s real-time analytics

Page | 9

OUR SOLUTIONS

RISK MANAGEMENT SOLUTIONS

DRIVEN BY DATA.

R I S K M A N AG E M E N T We always start our relationship by gaining an understanding of what your company is trying to achieve at a global level—not just with risk management.

Understanding your goals and initiatives allows us to better evaluate, analyze, and help manage your risk in a way that allows you to utilize your risk management program as a source of capital, rather than an expense, to assist in meeting your corporate objectives.

ANALYTICS MJ’s comprehensive, forward-thinking approach to analytics is the foundation of our risk management consulting practice. We’re able to pinpoint claims drivers and proactively address them with our innovative approach to analytics, and using our proprietary analytics tool— APERTURE. And we have extensive experience integrating and analyzing claims and policy data.

RISK SERVICES To better align your risk management strategy with your corporate objectives, we first take a deep dive and perform a comprehensive risk analysis of your firm. This quantitative and qualitative analysis will allow us to understand your risk profile and tailor the proper treatment for your exposures in alignment with your overall strategy.

RISK TRANSFER There are many options for financing your risk—and based on our risk analysis and business conversations, we’ll recommend the right risk financing strategy for you. And when the time comes, we’ll be there to guide you through the claims process as well.

% $

CLAIMS CONSULTING We understand how important it is for you to have experts to guide you through the process once a claim occurs. With our dedicated team of commercial claims specialists, we offer our expertise and support throughout every stage of the claims process, minimizing the economic, administrative, and emotional burden claims can have on your organization.

CLIENT ADVOCACY You can always rely on MJ to help—and to be a persistence advocate on your behalf—while surpassing your expectations with our customer service. We understand that insurance and risk management is not merely about the placement of your coverage once a year and that questions or issues arise daily that need immediate attention.

Page | 11

ANALYZING

YOU.

To align your risk management strategy with your corporate objectives, we’ll perform a comprehensive risk analysis of your firm using our proprietary analytics tool, APERTURE. This analysis helps us understand your risk profile and provides the basis for creating your risk mitigation strategy and determining the various risk financing alternatives available.

RISK ASSESSMENT Our risk assessments leave no stone unturned. This means taking a look at business continuity, business interruption, cyber threats, and other emerging risks. Once identified, we’ll create mitigation plans for potentially severe risks, conduct a risk culture assessment where we’ll look at your organization’s ability to manage risk, and perform a risk review for your industry.

C O S T O F R I S K A N A LY S I S We start with a baseline measurement for your overall risk profile, then use APERTURE to determine your historical cost of risk to use as a benchmark for future decisions. This metric can be shared across the organization to help impact your culture and broaden the awareness and understanding of your risk management strategy.

LO S S T R E N D I N G We’ll take a detailed look into various factors which may be related to the frequency of losses, and their severity.

It’s through these correlations—both historically and predictively modeled—that we’ll use APERTURE to develop recommendations geared towards improving your loss performance.

EXPOSURE TRENDING Charting elements of your business profile using APERTURE is a key part of our process, and this includes the exposures your insurance program is built from. This helps us get an understanding of how your business has changed over time— and that means we’ll be equipped to analyze your cost of risk and align your insurance program with your goals as you grow and change.

BENCHMARKING & FORECASTING Benchmarking can be both internal and external: You can use it for internal goal setting, or you can review peer data and apply comparative analysis. We can help you do both through the power of APERTURE. Forecasting is a means of level-setting: What happens if we do nothing and keep getting what we’re getting? What could happen if we commit to changing our behavior—and subsequent risk culture—to improve results? Seeing the possible future can help you make the right decisions.

PROGRAM STRUCTURE + PERFORMANCE MODELING By modeling both the cost and historical performance of various program structures, including various alternative risk transfer options, we help you make the most informed decision about your insurance and risk management program. We model out your historical and possible future performance to put you in a position to confidently determine the level of risk you’re able to assume.

Page | 12

RISK AND

REWARD.

Part of our job involves getting a deep understanding of your business so we can form a clear picture of your corporate goals and approach to risk management. This is similar to a routine health screening for your organization.

The profile we create will allow us to do a deeper evaluation of your biggest risk points, giving us actionable information we can use to help you thrive.

R I S K A N A LY S I S In conjunction with an operational risk analysis, we’ll assess your total cost of risk, which can help you understand your insurance program costs, retained losses, and risk control costs. This will put you in a better position to understand how to control your spending.

R I S K M I T I G AT I O N Leveraging APERTURE, we’ll deploy our risk services capabilities to the target areas of risk. Our strategy will include assigned action items and accountabilities from the client, MJ, and carrier partners to reach your objectives.

We’re well-positioned to help you proactively prevent and respond to operational risks including: +

Workplace Safety

+

Fleet and Vehicle Safety

+

Business Continuity

+

Cyber Security

+

Employment Practices

+

Third-Party and Vendor Management and Contractual Risk Transfer

RESOURCES Services and resources we provide may include: +

Educational Seminars and Trainings

+

Compliance (OSHA, DOT, etc)

+

Safety Resources +

Employee Safety Manual review

+

Return to Work programs

+

Various safety content (Toolbox Talks / Employee Newsletters)

+

Fleet Safety, driver qualification and screening, vehicle telematics, and accident / incident review programs

+

Risk Management Center, including tracking of incidents, employee training, certificates of insurance, safety data sheets, and various inspection-related recommendations Page | 13

THE RIGHT

AMOUNT OF RISK.

There are many options for financing your risk. Whether through traditional insurance placement or alternative risk transfer, we specialize in building a risk transfer strategy that aligns with your capacity and willingness to shoulder specific levels of risk. Championing a data-driven holistic approach, we optimally position your risk profile to help you obtain the best pricing and conditions.

PLAN MODELING Utilizing the power of APERTURE, we go beyond the ordinary. We identify and evaluate various options for transferring your risk and provide you with the modeling that allows you to make well-informed decisions around your insurance and risk management program.

T R A D I T I O N A L I N S U R A N C E P L AC E M E N T As one of the top 100 brokerage firms in the United States, and with over 60 years in the commercial insurance space, MJ has formed strong relationships with the leading national and regional insurance carriers throughout the country.

Leveraging our industry influence and our expertise in understanding and navigating the insurance marketplace, we excel at securing optimal insurance solutions for your risk profile. Our goal is to best position your profile in order to skillfully navigate the insurance landscape and deliver the excellence your deserve.

Through our strong industry relationships, we’re able to place you with the right carrier for your specific needs, and advocate for you at the time of a claim. We work with the country’s leading carriers and have access to the most innovative, customized risk management and insurance programs available. It’s all part of our holistic approach to your risk management strategy—one that accounts for your needs both today and tomorrow.

A LT E R N AT I V E R I S K TRANSFER At MJ, we stand out as leaders in alternative risk transfer, offering personalized and strategic solutions to benefit your business.

Our clients have leveraged our expertise in designing, building and servicing alternative risk transfer solutions, including large deductible programs, captives/risk retention groups (RRG’s), and other nontraditional approaches.

Page | 14

ACCLAIMED AT

CLAIMS.

We understand how important it is for you to have experts guide you through the process once a claim occurs. With our dedicated team of commercial claims specialists, we offer support throughout every stage of the claims process, minimizing the economic, administrative, and emotional burden claims can have on your organization.

D E D I C AT E D C L A I M S A D V I S O R Y Our team will ensure you’re utilizing your insurance coverage properly in the event of a claim. We’ll also be persistent advocates for the best and most expedient resolution of your claim. And you can count on us to provide continuous monitoring of claim activity throughout the process.

C L A I M S E VA L U AT I O N MJ facilitates on-site claims reviews to communicate overall quarterly activity, disposition strategies, and reserve development on impactful claims. We’ll also collaborate with our risk services and analytics teams to provide loss-trend and root-cause analysis.

PROCESS EFFICIENCY We can assist in the development of processes and procedures to minimize the administrative burden caused by the claims process, allowing your employees to concentrate on the other needs of your business.

% $

Page | 15

YOUR DEDICATED

ADVOCATE.

We know that insurance and risk management is not merely about the placement of your coverage once a year and that questions or issues arise daily. That’s why you can always rely on MJ to help—and to be a persistent advocate on your behalf—while surpassing your expectations with our customer service.

PROGRAM EXECUTION Our consulting, analytics, risk services, risk transfer, and claims consulting teams work together seamlessly to create your overall strategic service plan. We’re experienced in our individual crafts and understand how each one of our roles impacts your plan holistically. Client service is a key differentiator for us—being reliable and delivering results is what sets us apart.

Whether you’re exposures are changing or staying the same, we’re your advocate both at renewal and throughout the policy year. We take significant pride in ensuring your insurance experience is seamless and easy.

A LWAY S W I T H I N R E A C H We take a proactive approach to working with you, and you can rely on us to respond promptly to any questions or concerns you might have. Our day-to-day approach to working with your business helps us respond efficiently to whatever needs might arise, and it also helps us keep you informed about changes to the market climate that affect you.

When you need an auto id card, a certificate of insurance or if you have questions about your invoice or year-end audit, we’re here to assist quickly and completely.

Page | 16

HELP MITIGATE

FUTURE LOSSES.

C A P T I V E A P P L I C AT I O N S Captives can insure a wide range of risks, catering to high-severity/lowfrequency exposures and risks with predictable and recurring claims, such as workers’ compensation, commercial auto, and general liability exposures. By assuming coverage for retained risks, captives have the advantage of customizing insurance terms to suit the specific risk profile of the parent organization. Certain areas of vulnerability can be effectively addressed by captives. These may include:

M E D I C A L STO P - LO S S : By utilizing captives, businesses can effectively reduce and stabilize healthcare costs over the long term, enhancing the efficiency of employee benefit financing and delivery.

$

E M P L OY E E B E N E F I T S A N D M E D I C A L O P T I O N S : When structured to fund hospital indemnity and safety programs, captives protect employees during health emergencies.

LIABILITY INSURANCE: Captives can address workers’ compensation, commercial auto, and general liability exposures.

CYBER RISKS: The financial consequences of data breaches, including reputational damage, business interruption, and third-party liability, can be mitigated by captives.

Additionally, organizations can achieve significant reductions in overall program costs by removing attritional losses from the traditional insurance market and self-financing them within a captive.

Captive owners also benefit from direct access to the reinsurance market, allowing them to obtain coverage for risks that may be challenging to insure in the commercial market due to capacity limitations or high rates.

If a captive performs well, the premiums generated can be retained within the captive, effectively creating a new revenue stream for the parent company.

A LT E R N AT E R I S K T R A N S F E R S O L U T I O N S At MJ, we’re ready to help you manage risk on your terms. We pride ourselves on our expertise and client-focused service strategy that delivers solutions tailored precisely to your needs.

Page | 17

A HEALTHIER, HAPPIER LIFE AND A BETTER ORGANIZATION

WELCOME TO MJ BENEFITS+.

MJ Benefits+ goes beyond traditional benefits consulting to develop dynamic solutions that unlock employee’s potential to drive organizational success and harness the power of customized benefits to make work a fulfilling and rewarding part of life.

E M P O W E R I N G YO U R W O R K F O R C E DATA D R I V E N S O L U T I O N S A N D C U S TO M I Z E D B E N E F I T S Unlike ordinary company benefit plans that treat everyone the same, our holistic approach considers compensation, benefits, retirement, and cultural data to develop strategies that work for each employee. By using data to our advantage, MJ Benefits+ will help you manage spend efficiently and effectively so you can get the most out of your investment in your people—and your people will get the most out of their benefits.

What truly sets us apart is our ability to have a view of the whole picture—and how one decision might affect another area of the company—so we can make your decisions even smarter.

COMPENSATION

Page | 18

BENEFITS

RETIREMENT

TOTAL REWARDS

Page | 19

O U R VA L U E P R O P O S I T I O N R E S O U R C E S MJ works closely with you to make sure your employee benefits strategy is aligned with your business goals.

Understanding your core goals and initiatives allows us to better evaluate, analyze, plan, and manage your employee benefits programs in a way that will help you achieve your goals, deal with change, and protect the good health of employees.

ANALYTICS + + + + + + + + + + + + + + + +

Adhoc Reporting Benchmarking Reports Budget/Trend Forecast Plan Financial Reporting IBNR Reporting Claims Insights Contribution Modeling Health Risk Predictive Modeling M&A Analysis Demographic Analysis Plan Design Modeling Onsite Clinic Feasibility & ROI Analysis Rx Repricing Analysis Stop Loss Modeling Network Discount Analysis Self-Funded vs. Fully Insured Feasibility Analysis

COMMUNICATIONS + ENGAGEMENT

POP HEALTH + WELLNESS + + +

+

+

Discovery Meeting Multi-Year Wellness Strategy Criteria-Based Wellness Initiatives Onsite Clinic RFP (if needed) Full RFP support across all Wellness Solutions Vendor Management Data Analytics Reviews Wellness Communications and Events Wellness Program Branding

+

Wellness Committee Support

+

+ + + + +

+

+ + + + +

+

Page | 20

Annual Communications Strategy Open Enrollment Promotion Materials & Support (postcards posters, campaigns, QR codes, Presentations) Employee Enrollment Guides Narrated Benefits Presentation Recruiting Benefit Summary Employee Surveys Year-Round Employee Engagement & Education Content Total Rewards & Wellness Program Branding Translation Services

$

COMPLIANCE + + + + + + + +

+ + + + + + + + + + + +

Signature Ready 5500 production Ongoing Compliance Support Contract review - (upon request) review/redline contracts Wrap Documents Section 125 or POP document support Non-discrimination testing Legislative updates – educate clients with written communications and webinars Create specialty template compliance forms upon request – ex: spousal carveout affidavit, Domestic Partner tax dependent certification, etc.

Monthly Compliance Webinars Compliance informational slides Compliance Notice Packets PCORI fee New Client Compliance Reviews Compliance Dashboard Membership Gag Clause Attestation ACA: Reporting (1095s) RxDc reporting Custom Compliance Communications MHPAEA NQTL Guidance/ Support HIPAA Compliance

ADVOCACY +

+ +

Medical, Dental and Vision Network Analysis Day-to-day client advocacy for benefits, eligibility and claims inquiries Life and Disability plan analysis and benchmarking SPD Review Renewals (Reinsurance, Ancillary, Worksite, Fully Insured, Self-Funded) Marketing (Reinsurance, Ancillary, Worksite, Fully Insured, Self-Funded) TPA Analysis Executive Summary

+

3-Year Strategic Playbook

+ + + + +

PHARMACY + + + +

+

Client Profile Assessment Custom Repricing Modelling PBM RFP PBM Oversight and Optimization Rx Program Quality Assurance Compliance Review Patient/Foundational Assistance Programs Exclusion Language & Tiered Copay Structure Rebate Strategy/Structure Importation Programs J Code Plan Structure Dual Formulary and Biosimilar Strategy Clinical Edits & Recommendations Fraud, Waste, and Abuse Management Formulary Design/Consulting

+

Multi-Year Pharmacy Strategy

+ + + + + + + + + +

Page | 21

FINANCIAL

WELLBEING.

R E T I R E M E N T B E N E F I TS A DV I S O RY Sponsoring your organization's retirement plan is no small feat! We commend you for managing these plans and improving the financial future of your employees. We know what an undertaking this role can be. That is why it’s all we do for our clients. Think of us as your outsourced Chief Retirement Officer (CRO).

MJ Retirement specializes in advising over 401(k), 403(b), and other corporate retirement plans. At the end of the day, we want to improve the financial health of those we work with. We do this by managing retirement plans and financial wellbeing programs: working with employers to make strategic decisions that can actually move the needle and improve financial outcomes.

YO U R O U T S O U R C E D C H I E F R E T I R E M E N T O F F I C E R I N VE ST M E N T A DVI C E Investments not your cup of tea? Well, you’ve come to the right place because we love investments! Really though, we are a fiduciary with all of our clients. We select and monitor the investments in your retirement plans, reviewing them with you regularly. +

3(21) & 3(38) Investment Manager

+

Selection assistance, review, and monitoring

+

Investment Policy Statement development and review Quarterly Investment reporting

FINANCIAL WELLBEING Many of our clients are looking to help their employees, get on track financially. We work with you to understand your goals and objectives for a benefits program, research your employee demographics, and develop a custom program that works! Are your employees taking out loans from their retirement plan, struggling to pay off student loans, or trying to support their aging parents? We can build a program to support them.

F I D U C I A RY G OV E R N A N C E Is your retirement plan committee running on all cylinders? Do you have a formalized committee? If not, we will help you set one up. If so, we help you evaluate your current structure and practices. Going forward, we will share and assist in implementing best practices. +

Initial and ongoing fiduciary training Online fiduciary portal

+

Conflict of Interest education

+

Fiduciary documentation

PLAN DESIGN What’s behind the design of your retirement plan? Not quite sure? Since no two organizations are alike, we work with you to understand your objectives, analyze your employee demographics, and develop solutions that can help improve outcomes for your participants. Not only that but as your workforce and objectives change we make sure your retirement plan remains effective and operates efficiently.

Page | 22

AN INTEGRATED APPROACH

TO TOTAL REWARDS.

T OTA L R E WA R D S — I T ’ S S O M U C H M O R E T H A N C O M P E N S AT I O N AND BENEFITS Modern people strategy involves more than just compensation. Today’s workforce is prioritizing rewards programs that reflect the diverse and intricate needs of various life stages, and employers are evolving their perspective to provide innovative, flexible, and compelling programs that align with the organization’s culture and purpose.

That’s why the best compensation and total rewards strategies are inherently dynamic. They skillfully weave together compensation, benefits, paid time off, wellbeing, career development, recognition, and other perks and employee programs. They must navigate the complex interplay between internal and external forces to create a compelling people value proposition aligned with workforce and organizational priorities.

To do it right, collaboration and a personalized approach is the optimal strategy—and no one does it better than MJ.

O U R I N T E G R AT E D A P P R O A C H P O W E R E D BY DATA Powered by MJ’s proprietary data analytics platform, APERTURE, we provide integrated Compensation + Total Rewards Consulting so you can make forward-thinking decisions about your program today and in the future. We provide specialized consulting services and in-depth benchmark data analytics to help your organization evaluate its compensation, benefits, retirement, and wellbeing programs. Our team of dedicated professionals develops innovative reward programs that align with your organization’s culture, talent market, and strategic priorities.

CO R E S E RVI C E S S T R AT E G I C R E WA R D S A R C H I T E C T U R E +

Strategy Development

+

Pay Transparency and Communication

B E N C H M A R K I N G & A N A LY T I C S +

Executive and Board Compensation

+

Incentive Compensation Plan Design

+

Compensation Benchmarking

+

Gap Analysis and Evaluation

+

Geographic Assessments

+

Time Off Programs and Perks

Page | 23

ABSENCE + LEAVE

MANAGEMENT.

E M P OW E R P E A K P E R FO R M A N C E Unplanned absences have the potential to disrupt productivity and impact your bottom line. Our comprehensive approach to leave and absence management mitigates risks, enhances employee wellbeing, and fosters operational efficiency.

At MJ, we recognize that effective leave and absence management is about more than just tracking time away. Supported by a powerful combination of analytics and years of expertise, our dynamic solutions empower you to navigate workforce attendance with confidence, identify trends, and anticipate challenges before they impact productivity.

DATA - D R I V E N A P P R O A C H Our absence management solutions leverage cutting-edge technology and predictive analytics to anticipate and address workforce absence challenges. In collaboration with The Partners Group, we leverage advanced data models to provide unparalleled insights into absence trends, enabling you to make informed decisions that positively impact your business.

C O M P L I A N C E M AT T E R S The evolving regulatory landscape is marked by substantial legislative changes, heightened complexity, and unprecedented enforcement activities at the state and local level. In the face of these challenges, MJ offers peace of mind, leveraging our compliance expertise and guidance to steer your organization through the intricate web of regulations.

TA C K L I N G C O M P L E X I T Y W I T H TA I L O R E D S O L U T I O N S Despite regulatory revisions, the perpetual challenge of FMLA and state leave administration complexity persists, often creating a myriad of headaches, particularly for multi-state organizations. MJ addresses these pain points, offering tailored solutions to enhance the efficiency of your leave administration processes.

YO U R PA R T N E R I N I N T E G R AT I O N Integration with other human resources disciplines is a priority for many forward-thinking organizations. We’ll work with you to help integrate absence management and HR administration functions, championing a cohesive and efficient approach across your entire workforce.

Page | 24

TAKING YOUR INSURANCE

PERSONALLY.

PERSONAL INSURANCE Personal insurance can be an impersonal business—but not when you work with MJ. Our approach to personal insurance means getting a thorough understanding of your lifestyle needs, future goals and current assets, so we can create a custom plan for you.

THE RIGHT DECISION You’ve worked hard for your accomplishments, and at MJ we work hard to protect what matters most. Our tenured Personal Insurance team won’t just place coverage for you—we’ll work with you to understand your lifestyle and coverage needs to build a customized insurance program for you and your family. And we’ll give you the consultative support you need to make an informed decision. With over five decades of experience serving some of the nation’s most successful families and individuals, we are invested in your growth—and protecting your life’s work.

W I T H YO U E V E R Y S T E P O F T H E WAY As your lifestyle needs grow and change, your dedicated MJ Consultant will work with you to ensure your assets and net worth are fully protected. We’ll also partner with your wealth advisor to provide a comprehensive view of your personal risk management profile. And should a claim or change occur, we’ll be there every step of the way.

We’re there when you need us. And we’re experts at what we do—involved in the details, so you don’t have to be.

Page | 25

THE MJ DIFFERENCE

MORE INSIGHT. MORE SOLUTIONS.

MORE THAN JUST INSURANCE.

At MJ, we know that great companies don’t settle for “fine.” That’s why we go beyond just selling insurance. We strive to make you better at what you do today, tomorrow, and for years to come.

In addition to developing a profound understanding of your needs and building a strong relationship, we believe in utilizing a data-driven, tech-enabled strategy that empowers you to make informed decisions based on facts.

Our steadfast commitment is to deliver innovative solutions that cater to your ever-changing needs. We strive to help you stay ahead of the curve and adapt to the dynamic business landscape. Our Risk Management and Benefits+ teams work collaboratively, leveraging their expertise to uncover new solutions aligned with your goals, both now and in the future.

The talent of a top global consulting firm. The resources, accessibility, and tailored approach of a privately owned, nimble company. All with a personal focus.

We are The MJ Companies.

Page | 27

YOUR FUTURE IN

FOCUS.

THEMJCOS.COM Page | 28