The stock market has been on a tear since it hit bottom two years ago. That's helped many 401(k) retirement savers recover from the awful experience throughout 2008 and early 2009 when stocks tumbled.

Although 90 percent of all 401(k) investors have at least climbed back to where they were before the recession in 2007, not everyone is quite there yet.

This chart provides a glimpse at how years on the job with steady contributions to a 401(k) factor into whether account balances bounced back.

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