A new study from Fidelity Investments shows 401(k) participants managed to recoup much of their losses from one of the worst market downturns in history. And savers who were consistent over the past decade have actually seen their account balances increase by nearly 150 percent.

Average 401(k) account balances ended the year at $64,200, up another 5.7 percent from the end of the third quarter and up 28 percent for the year, according to Fidelity.

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