While 23 percent of full-time employees have no benefits—no health insurance, retirement savings or paid vacation—a new survey finds that it's to the employer's advantage, even for small businesses, to offer benefits in the quest to attract top talent and keep their good employees from jumping ship.

B2B research firm Clutch reports that while paid vacation time (65 percent) and health insurance (62 percent) are the most commonly offered benefits, 55 percent of employees say that health insurance is the most important to them in terms of their job satisfaction. And while 52 percent of employees who aren't satisfied with their benefits want more of a benefit they already have, 14 percent want different benefits altogether.

Millennials, of course, have to be different; they're more likely than other generations to prioritize paid vacation and overtime, and less likely to prioritize health insurance. Only 44 percent of millennials say health insurance as the most important benefit they receive, but 62 percent of GenXers and Boomers say it's the most crucial.