- F&I
- Profit Participation Programs
Understanding and Maximizing Profit Participation Programs in Your Dealership
Maximize your dealership's profitability potential and financial growth with the participation program that fits your needs.
Let's Talk GrowthA Partnership Approach to Dealer Profitability
As your business expands, your profit participation program needs to align with your current strategic goals.
The same applies to those engaged as your partner, who should be vested in boosting your dealership profits and demonstrate proven expertise to enhance dealership wealth.
Key characteristics to look for include:
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No hidden fees ever — only a fair, flat admin fee based on your structure |
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Willingness to tailor program offerings to your dealership specifically |
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Claim reserves management to maximize portfolios and profitability potential |
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Commissions and incentives programs to motivate performance |
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Complete transparency into all the details of your program(s) |

Different Types of Profit Participation Programs
There are dozens of different profit participation programs available for automotive dealers, and they can vary widely on the metrics of risk, reward, and cost.
Non-Participating Programs
Programs that are typically controlled by your provider, which means little or no complexity for you and less control over earnings, fees, etc.
Participating Programs
Programs that allow you to earn a percentage of underwriting profits from a program’s provider, which means you assume more of the complexity. Still, you also gain more control over the revenue.


Which profit participation program fits your dealership best?
Select the Participation Program That’s Right for Your Dealership
When choosing a participation program, it is important to select the program that best aligns with your strategic goals.
Retrospective Program for Ensuring a Steady Income
A simple and adaptable profit participation program that provides predictable earnings.
- Turnkey with no set-up or capital required
- Actively managed investment portfolio
- Participate in underwriting and investment income with low to no downside risk

Maximize Financial Control & Amplify Tax Benefits with Reinsurance
Tailored plans for participation programs to meet your dealership’s goals, generating profits and leveraging tax benefits for further financial growth.
- Enhance operational focus
- Improve financial performance
- Gain tax efficiency

Achieve Complete Control with a Dealer Owned Warranty Company
Maximize dealership growth and profitability with a branded F&I solution.
- Accelerate business expansion
- Tailor plans for diverse needs
- Increase profit retention

Our dealer partners experience real growth
"JM&A brings in F&I leaders to help show us the performance we can get out of the store, and we call them all the time. They are in our stores all the time, and we constantly talk about where we can get better. It's a strong relationship, with two fantastic cultures, and that allows us to do what we do well."
How JM&A Group Brings Value Through Profit Participation
Solutions for your F&I and profit participation needs are the “peace of mind” that come with having a knowledgeable and transparent partner that wants to see you and your dealership succeed.
JM&A constantly measures opportunity, risks, pricing, and loss trends to equip you with the tools needed to understand your performance and make data‐driven decisions for long‐term profitability and success.

Are you increasing profitability and dealer growth with the right participation program?
Let’s talk about maximizing your dealership wealth with the right profit participation program for you and your team.