A Strategic Approach to Employee Benefits

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J&M Benefits

As independent specialists in the design, costing and communication of employee benefit plans, J&M Benefits brings a personalized focus to each and every employer with which we work.

Our hands-on approach enables us to develop innovative, customized and cost-effective solutions to meet your organization’s specific requirements – solutions that directly reflect your corporate goals and philosophy – and that directly affect your bottom line.

J&M Benefits is totally independent and not tied to any single insurance company, bank or other provider of financial services.  Specializing in the field of employee benefits gives us the experience to help you select the affiliations best suited to the way you do business.

We would love to hear from you.


Insurance and benefits can be complicated, we can help.

Solutions from consulting through management.

A successful employee benefits program requires knowledge, planning, and execution of many components.

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Case Studies on how we help clients like you.

Explore our case studies to see how we are helping clients control costs and increase employee satisfaction.

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Compliance bulletins to simplify complex topics.

Read our health care reform bulletins to gain an understanding on how recent legislation affects your benefits program.

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Case Studies

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If you are a business owner with 100 or more employees at the beginning of a plan year, you may be required to file an annual report with the Department of Labor/IRS. This “Form 5500” contains information about the plan and includes disclosure of all commissions and fees received by those who provide services to insured plans. Failure to file these forms by the required deadlines could result in substantial penalties.