It might be counterintuitive, but thinking about retirement may be one of the best tools small businesses has to attract young talent.

In fact, 93% of employees say that retirement benefits influence their decision about whether to join a company, according to research from Guideline, a small-business retirement platform. A separate report from payroll service provider Gusto found that offering a 401(k) plan can lead to more than $100,000 in annual savings from employee turnover. Yet 40% of small businesses do not offer the benefit. READ MORE