Peppers

We have several different varieties of peppers started including jalapenos, habaneros and bell peppers. I'm very concerned about the germination rate on the habanero peppers. Out of a packet of seeds (perhaps 40 seeds) I've only seen about 5 or 6 peppers germinate and it has been several weeks since the peppers were started. The other types of peppers have germinated slow as well, but the germination rate has been much better. Not sure if I need some type of heat mat or what might be the trick. For now I just keep making notes and starting more seeds. We've got another month or so before the soil will be warm enough to plant peppers in the ground.