IRA and 401(k) balances rose in the fourth quarter of 2015, but lost ground from where they were at the end of 2014.

And all that volatility spurred record call center activity from plan participants.

That's according to analysis from Fidelity Investments, which reported that average balances for 401(k)s at the end of 2014 were $91,300, but in Q4 2015 had fallen to $87,900—although in Q3 they were down even lower, averaging $84,400.

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