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American businesses (95%) are leaking cash flow EVERY payroll cycle. If you're the owner , how soon would you want it stopped?

 No forms. No sales pitch.

Just an explanation.

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This solution improves structural efficiency without changing systems, vendors, or operations.

 Layer 1 — Employer Cash Flow â€‹

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Layer 2 — Employee Take-Home Pay â€‹

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Layer 3 — Turnover and Retention â€‹

 “We improve payroll outcomes across three financial layers every payroll cycle.”

Do you know the financial impact of employee turn over in your business?

EVERY PAYROLL CYCLE

There are inefficiencies inherent in every payroll system. When structured correctly, payroll can be optimized in a way that:

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  • Improves company cash flow every payroll cycle

  • Increases employee take-home pay every payroll cycle

  • Requires no change to payroll systems, vendors, or daily operations​

 Percentages hide cost. Dollars reveal it.

PICO Enterprise Structural Model overview.png

Payroll is not a peripheral function. It is the economic infrastructure of the enterprise. Structural optimization at the foundation compounds throughout the organization.

Governance & Compliance Posture

Structural optimization within payroll architecture requires disciplined regulatory alignment.

The PICO Enterprise Structural Model™ is implemented within established federal tax frameworks and existing compensation regulations. Design sequencing prioritizes compliance integrity, documentation clarity, and administrative auditability.

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Engagement methodology includes:

  • Structural alignment within applicable sections of the Internal Revenue Code

  • 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.

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Structural integrity and regulatory discipline are foundational to the model.

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 Revenue without Retention = Limited Growth

PICO Retention Statistic  = +17% quarterly YoY

Turnover costs rarely appear on a single line item —

but they quietly leak cash flow every pay cycle.

Common PICO Outcomes

  • Profit +15-20%

  • Turnover ↓ 17%

  • Absenteeism ↓ 9%

  • Medical Costs ↓ 12%

  • Workers Comp Premiums ↓ 23% â€‹

  How would these results impact your business?

 REAL RESULTS

IS YOUR BUSINESS COMPATIBLE?

This solution helps American businesses who have:

  • Payrolls exceeding $1,500,000 annually

  • Steady OR Growing employee turnover ratios

  • Tighter operating margins

  • W-2 workforces (50+ employees)

  • Leadership that pays attention to payroll economics

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As a result, early adoption has been strongest in:

  • Multi-location businesses

  • High taxed businesses / areas

  • Franchise operators

  • Service-based businesses

  • Businesses with W2 employees​​

 These organizations tend to notice payroll inefficiency sooner because it directly affects their bottom line.

American Employer Foundation
Creating financial tailwinds for employers!
6220 Westpark Dr. Suite 149G, Houston, TEXAS 77057

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