Employers are asking for an increasingly wide array of wellness, preventive and fitness services, according to new research from two leading health insurers -- and many of them may not be available directly from health plans. Principal Financial and the Harris Interactive polling company surveyed more than 1,100 employees and more than 500 retirees of small to medium-sized employers (10 to 1,000 employees) about their attitudes and perceptions regarding their employee benefit programs. As most agents and brokers would expect, the employees identified concerns about the complexity of their benefits and rising health care costs. As a result, employers are taking a hard look at the factors that affect health care costs and are applying risk management principles to their health insurance planning. This trend not only reflects employer concern with group health insurance premiums, but also their realization that health issues influence other cost drivers within their organizations.