Nearly a third of small employers don't offer retirement benefits, and just 22 percent in that group are giving any thought to starting to do so soon.

A report by Transamerica Center for Retirement Studies compared large and small companies to see just how different their retirement offerings are and found that, even if small employers do offer some sort of workplace plan, they don't offer the same amount of options within their plans.

With many in Washington talking about a retirement crisis in America, many policymakers have been looking for ways to help Americans do a better job of saving for their futures. One way is to encourage "micro" companies, those with fewer than 99 employees, to offer plans, and to get large plans to begin offering retirement benefits to their part-time workers, Transamerica said.