_edited.jpg)
American Employer Foundation
What is PICO?
PICO/Payroll Integrated Compensation Optimization
It is a structural efficiency optimization that creates cash flow, reduces turn over and produces higher business valuations for American employers while simultaneously providing employees with more take home pay , extra benefits they don't have now and additional resources for maximizing their lives mentally, emotionally, physically and financially.
American business owners are dealing with similar pressures:​​​​
-
Rising product and labor costs
-
Difficulty increasing employee wages
-
Retention challenges
-
Benefit costs that feel like a black hole
-
And very few options that don’t create new risk or complexity
This solution improves structural efficiency without changing systems, vendors, or operations.
Layer 1 — Employer Cash Flow ​
​​
Layer 2 — Employee Take-Home Pay ​
​​
Layer 3 — Turnover and Retention ​
“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:
​
-
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.
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% ​
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
​​
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.