(Bloomberg) -- It's like rubbernecking after a car accident: Themarket sinks dramatically, as ithas for most of 2016, and virtually everyone with a401(k) plan suddenly can't lookaway from the wreckage.

As key indexes first started going south earlier thismonth, almost 4 million people contacted Fidelity on January 4alone, either online or by phone, to check on theirretirement savings.

"That was an all-time high," said Jeanne Thompson, vicepresident of Fidelity Investments, which manages 13 million401(k) accounts with over $1 trillion under management.

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