48 pages. "The average participant contribution in 2019 was $2,595, the same as in 2018. The average account balance at the end of 2019 was $5,627, a slight increase from an average of $5,239 in 2018. The vast majority of responding organizations (83.8 percent) offer investment options for HSA contributions, though more than 80 percent require a minimum balance of at least $1,000 to inv est assets. While mutual funds dominate the types of investments offered, nearly a fourth of respondents also offer self-directed brokerage accounts -- including nearly half of smaller employers."