And it shouldn't only apply to full-timers, either, according to a letter sent by the more than 65 House members who signed on. Part-timers should be covered, too, and President Obama should make it so through executive action.

Read: Could U.K. retirement program expansion offer U.S. answers?

Pointing out how dire the retirement situation is, with "nearly half of all workers" not having access to an employer-sponsored plan, "including over three-quarters of workers at firms with fewer than 50 employees and more than two-thirds of part-time employees," the letter also highlighted the facts that "independent contractors are not eligible to participate in employer-sponsored plans, and temporary employees are often prohibited from participation."

As a result, it continued, fewer than 10 percent of workers without access to a retirement plan at work actually put any money by for retirement.

Workers in federal contract jobs could get a leg up on retirement via executive action, the letter said, urging the president to order that federal contractors include workers in existing plans or "at least make use of the MyRA, which would cost employers nothing…" In addition, the group urged that workers be "considered immediately vested in whatever plan is being offered," since [w]orkers are changing jobs with more and more frequency in our current economy."

MyRA accounts have the same annual contribution limits as Roth and Traditional IRAs: $5,500 for individuals or $6,500 for those age 50 and over. Any individual making less than $131,000 a year, or $193,000 annually for couples, can enroll in the accounts.

Contributions will only be invested in newly issued Treasury notes that will earn the same annual interest as G Fund securities available to federal workers through the Thrift Savings Plan. Once the accounts accrue $15,000 in value, or are held for 30 years, they will be required to roll over to private sector products.