American Employer Foundation
Built with and for American Employers & Employees
“
Principle: Every structure has downstream effects on outcomes.
There isn't a negotiation or a presentation to be judged.
We provide structural optimization with specific systems and mechanisms
that produce favorable financial outcomes.
They are either favorable enough to move — or they are not.
The decision is binary and obvious.
But it will be yours to make.
— Mike Plummer, Founder & CEO
American Employer Foundation
THE PROBLEM
​
Most organizations are losing real money every payroll cycle — and have no idea.
​
The inefficiency isn't negligence. It's structural. Payroll and employee benefits have historically operated in silos, creating a gap where unrecoverable cash flow quietly disappears — cycle after cycle, year after year.
​
No one flags it. No standard financial review finds it. And your payroll administrator has no financial incentive to look.
​
The PICO™ Enterprise Structural Model was designed to close that gap.
THE SOLUTION
​
The PICO™ Enterprise Structural Model does what no standard payroll review, benefits audit, or financial assessment is designed to do — it diagnoses the structural gap between payroll and employee benefits, then optimizes it into a recoverable cash flow advantage.
​
This isn't a workaround. It's a model — engineered to identify what's been leaking, quantify what's recoverable, and implement a structure that works with your existing payroll infrastructure.
The result is a permanent shift in how your organization processes compensation — one that reduces employer costs, improves employee outcomes, and creates a measurable financial return every single payroll cycle.
​
The inefficiency was always there. Now, for the first time, so is the fix.
Three Benefits of Structural Optimization — One Integrated Solution
III
Employee Satisfaction
Structural compensation & well care improvements directly correlate with reduced voluntary turnover, absenteeism, and the associated replacement costs.
Payroll is not a peripheral function. It is the economic infrastructure of the enterprise. Structural optimization at the foundation compounds throughout the organization.
Proven Outcomes
Organizations implementing the PICO™ framework have reported the following results:
​
Results vary based on organization size, payroll structure, and industry vertical.
Implemented Within Established Regulatory Frameworks
The PICO™ Enterprise Structural Model operates entirely within applicable sections of the Internal Revenue Code and existing compensation regulations. Implementation methodology includes:
-
Structural alignment within applicable federal tax frameworks
-
Documentation architecture supporting employer governance standards
-
Administrative coordination designed to minimize operational disruption
-
Data handling protocols appropriate for sensitive payroll information
Implementation is designed to integrate within existing payroll systems without altering employer control or introducing external operational risk.
​
Structural integrity and regulatory discipline are foundational to the model.