American Employer Foundation
Built with and for American Employers & Employees
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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
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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:
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Structural alignment within applicable federal tax frameworks
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Documentation architecture supporting employer governance standards
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Administrative coordination designed to minimize operational disruption
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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.