Amid the growing concerns about the current economy, small business owners continue to recognize having a solid retirement plan as an important issue both personally and to their employees. This is according to survey results released by SunTrust Banks, Inc. Yet, despite this acknowledgement, almost 40 percent of small businesses do not offer retirement plan options to employees - citing affordability (90 percent), ease of use once the program is implemented (89 percent), ease of setting up a program (87 percent), fee transparency (87 percent) and quality and range of investment alternatives available (87 percent) as the main barriers.