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.

A 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:

No hidden fees ever — only a fair, flat admin fee based on your structure

Willingness to tailor program offerings to your dealership specifically

Claim reserves management to maximize portfolios and profitability potential

Commissions and incentives programs to motivate performance

Complete transparency into all the details of your program(s)

A Partnership Approach to Dealer Profitability

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.

Profit Participation Plans - Levels of Complexity

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."

"My decision to partner with JM&A was one of the best decisions I've ever made. It all comes down to the people, the quality interaction and partnership we have is unprecedented in the industry."

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.