Most conversations about employee benefits start in the wrong place.They focus on products, costs, compliance, or what competitors are doing. These are reasonable concerns-but they rarely explain why benefit decisions feel increasingly expensive, complex, and unsatisfying over time.This book takes a different approach.It's Not Benefits. It's Structure. explores how payroll, taxes, compensation, benefits, and human behavior interact inside a business. It shows why well-intentioned decisions often underperform-not because they were wrong, but because they were made in isolation.Rather than offering products or prescriptions, this book helps business owners see the system clearly. When structure becomes visible, frustration gives way to understanding. Decisions become less reactive. And benefits begin to function as part of a coherent design rather than a recurring problem.This book is written for business owners who sense that something isn't broken-but isn't working the way it should either.It is not a guide.It is not a sales pitch.It is a reframing of how outcomes are created.