More than 1 in 5 employees are leaving at least some of their 401(k) match on the table, according to Fidelity. That's thousands of dollars lining employers' pocketbooks that could be going to workers in the trenches.

Some of those forgoing their matches are probably doing so out of necessity. Keeping the lights on and food on the table has to come first. But if you've got extra cash, you won't find a better investment than your 401(k) match. Here's what it can do for the average worker.

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Source Fool.com