It's not just the premium that breaks the bank; it's the overall cost of risk that generates double-digit increases in employee benefits cost every year -- and it takes a risk management approach to bring those costs under control, says Charles J. Rollins, president and co-chairman of Rollins Insurance Agency Inc. Most property/casualty insurance agents have already learned the lessons of risk management and apply strategic thinking to workers compensation, property and liability insurance; but few agents and brokers realize that the same approach saves money in employee benefits, he explains. Most agencies are content with moderating premium increases and, in some cases, that's the best anyone can do. The employee benefits technique has paid big dividends for the agency and its clients. Rollins say the package technology tools are important components of the agency's employee benefits service and are not delivered just as add-ons and afterthoughts.