You totally missed the point. It was three years for openers (and after that too) and it was addressing the losses for the recession, as I pointed out before. The article pointed out how those peoples portfolio's lost some 25% at the time, and, to recover, would need to make a 33% gain, just to break even, which, for many, never happened. Over the years, they possibly would have made gains, but who knows what mixes they chose.
With that said, Trump was correct in His assessment and claims of the 401 issue, at the time.