Finra is urging workers not to "leave money on the table" and take advantage of 401(k) matches offered by their employers.

The Financial Industry Regulatory Authority (Finra) offered the advice in an investor alert titled, "Why Leave Money on the Table-Make the Most of Your Employer's 401(k) Match."

Many employers match a worker's 401(k) contributions, with one of the most common being a dollar-for-dollar match of up to 3% of the employee's salary, according to Finra.

Finra officials said it issued the alert because too few workers are taking advantage of a simple benefit that can help them meet their retirement goals.

Nearly three in 10 workers (29.4%) do not contribute enough to their 401(k) to receive their full employer match, according to a Finra study. Younger workers are even more likely to leave money on the table, with 43% of those age 20 to 29 failing to contribute to the full extent of their employer's match.

An earlier Finra study showed that 40% of employees making less than $40,000 fell short of taking full advantage of their employers' match. Millions of workers, especially younger and lower income workers who need it most, are not taking full advantage of the matches available to them, according to Finra.

"Even in tough economic times, all employees still need to prepare for their retirement." said Gerri Walsh, Finra vice president of investor education. "Taking full advantage of a company's 401(k) match is a no-cost way for workers to boost their retirement savings."