Investors stuck with their retirement savings plans in 2010, the Investment Company Institute said Tuesday, basing its findings on data from more than 23 million defined contribution accounts.

Only 2.4% of participants stopped contributing to their accounts in 2010, compared to 3.4% in 2009.

And participants did not tap into their accounts. Only 3.5% of participants took withdrawals in 2010, with only 1.7% hardship withdrawals. This was in line with the 3.1% who took withdrawals and 1.6% hardship withdrawals in 2009.

Outstanding loans, however, rose to 18.2% last year, up from 16.5% at year-end 2009.

Further, most investors stayed the course with their investments, with only 10% reallocating their investments last year.