Small businesses' employees make up the majority of the "working uninsured" according to recent research from the Kaiser Family Foundation, this lack of health care coverage doesn't just pass insurance costs onto employees, it can have a negative impact on a company's employee retention rates.

Here are some of the best open enrollment benefits that you may want to roll out this year:

General Health Insurance

According to the National Federation for Independent Business (NFIB), only 35 percent of firms with fewer than 50 employees provide health insurance. By offering this benefit, you can stand out among your competitors and help attract talent. Furthermore, these types of plans help you ensure that your workforce has access to preventative care, which may help lead to fewer sick days down the line.

Part-Time Coverage

As U.S. News reports, the number of part-time jobs increased by 84 percent over the 2003 – 2007 average. Small companies can help attract and retain top talent by offering part-time staff a full range of benefits, since many companies don't have the kind of flexibility to match this offer. These types of plans will give talented workers a reason to stay, even if you can't offer them a full-time position right away.

Health Savings Accounts

One way in which small businesses can supply health care benefits without breaking the bank is by establishing employee health savings accounts (HSA). These accounts allow employees to contribute pretax funds toward the costs of specific treatments or services. If it's within your means, you can sweeten the deal by contributing some seed money into each employee's account.

Custom Benefits Packages

One way you can stand out to potential employees is by offering custom benefit packages with the federal government's small business health options program (SHOP). This program gives you the ability to search by specific benefit types offered in your state to help create a benefit structure that best fits your staff members' needs.

Shared-Cost Plans

If it's not within your means to offer full insurance benefits to your employees, you may want to consider investing in shared-cost plans. By having staff members foot a portion of the bill — say 10 or 20 percent — you may be able to offer better coverage to your whole team.

When choosing which open enrollment benefits to offer your employees, it's important to balance their needs with your financial means. By making this investment in your staff and their overall well-being, you can help assure each employee that he or she plays a valuable role in your company.

To learn more about providing health and benefits coverage to employees at your small business, check out the Health & Benefits Coverage 101 Small Business Guidebook.

Tags: retention Employee Well-Being Open enrollment Business Strategy Benefits health benefits Health Care Reform affordable care act