Photo: AP

(Bloomberg) — It’s like rubbernecking after a car accident: The market sinks dramatically, as it has for most of 2016, and virtually everyone with a 401(k) plan suddenly can’t look away from the wreckage.

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

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