529 PLANS

529 fee study

Savingforcollege.com's 529 Fee Study compares the lowest and highest 10-year expense totals for all direct-sold 529 savings plans. The data come from 529 program official disclosure statements.

Please click here for a further explanation of this fee study.

Savingforcollege.com's 529 Fee Study -- as of June 30, 2017

10-year costs on $10,000 investment View report sorted by lowest cost or state
State Direct-sold 529 plan name Lowest cost option 2nd lowest option 2nd highest option Highest cost option Annual account fee Comments
Nebraska TD Ameritrade 529 College Savings Plan $640 $677 $1,283 $1,768 $0  
Nebraska Nebraska Education Savings Trust - Direct College Savings Plan $406 $443 $1,061 $1,556 $0  
Arizona Fidelity Arizona College Savings Plan $135 $159 $1,452 $1,459 $0  
Delaware Delaware College Investment Plan $135 $159 $1,452 $1,459 $0  
Massachusetts U.Fund College Investing Plan $135 $159 $1,452 $1,459 $0  
New Hampshire UNIQUE College Investing Plan $135 $159 $1,452 $1,459 $0  
Nevada USAA 529 College Savings Plan $810 $847 $1,283 $1,375 $0 Figures shown do not include the $10 annual low-balance fee applicable to accounts under $1,000.
Connecticut Connecticut Higher Education Trust (CHET) $268 $281 $1,029 $1,311 $0  
Nevada SSGA Upromise 529 Plan $602 $615 $1,217 $1,287 $20 LOWER figures (ranging from $406 to $1,096) apply to Nevada residents eligible for account fee waiver.
Montana Achieve Montana $1,230 $1,241 $1,241 $1,265 $25 LOWER figures (ranging from $990 to $1,025) apply to Montana residents and other accounts eligible for account fee waiver.
Kansas Schwab 529 College Savings Plan $506 $617 $1,166 $1,236 $0  
Texas Texas College Savings Plan $51 $738 $1,150 $1,211 $0  
Indiana CollegeChoice 529 Direct Savings Plan $453 $491 $920 $1,205 $20 LOWER figures (ranging from $293 to $1,014) apply to Indiana residents and other accounts eligible for account fee waiver.
West Virginia SMART529 Select $980 $1,040 $1,123 $1,135 $25 Figures would be LOWER for West Virginia residents and for high-balance and auto-contribution accounts eligible for account fee waiver.
District of Columbia† DC College Savings Plan $553 $566 $1,003 $1,134 $15 LOWER figures (ranging from $504 to $1,086) apply to DC residents who pay a $10 annual maintenance fee.
Kansas Learning Quest 529 Education Savings Program (Direct-sold) $293 $306 $1,085 $1,131 $0  
Kentucky Kentucky Education Savings Plan Trust $678 $752 $909 $1,123 $0  
Hawaii Hawaii's College Savings Program $1,123 $1,123 $1,123 $1,123 $20/$10 LOWER figures ($1023) apply to Hawaii residents, who pay a $10 annual account fee.
Alaska University of Alaska College Savings Plan $381 $615 $1,109 $1,121 $10 Figures would be LOWER for high-balance, auto-contribution, and ACT-option accounts eligible for account fee waiver.
Maryland College Savings Plans of Maryland - College Investment Plan $578 $677 $1,109 $1,121 $10 Figures would be LOWER for high-balance and auto-contribution accounts eligible for account fee waiver.
Alaska T. Rowe Price College Savings Plan $615 $640 $1,109 $1,121 $10 Figures would be LOWER for high-balance and auto-contribution accounts eligible for account fee waiver.
Alabama CollegeCounts 529 Fund $369 $381 $1,052 $1,100 $0  
New Jersey† NJBEST 529 College Savings Plan $179 $243 $1,049 $1,096 $0  
South Dakota† CollegeAccess 529 (Direct-sold) $530 $567 $665 $1,084 $0  
Rhode Island† CollegeBound Saver (Direct-sold, Alternative RI) $368 $381 $762 $1,049 $0 LOWER figures (ranging from $51 to $750) apply to Rhode Island residents eligible for account fee waiver.
Oklahoma Oklahoma College Savings Plan $444 $456 $825 $969 $0  
Virginia Invest529 $155 $181 $791 $959 $0 Published figures do not include the one-time $50 application fee (if application is not submitted online.)
Florida Florida 529 Savings Plan $0 $492 $905 $928 $0  
Mississippi Mississippi Affordable College Savings (MACS) Program $800 $812 $897 $909 $0  
New Mexico The Education Plan's College Savings Program $319 $394 $874 $886 $25 Published figures do not include the $25 annual account fee for accounts with less than $10,000, waived if either the designated beneficiary or account owner is a New Mexico resident, for accounts in an automatic contribution plan, and for accounts with all assets invested in index options.
North Dakota College SAVE $884 $884 $884 $884 $20 Figures would be LOWER for North Dakota residents eligible for account fee waiver.
Oregon Oregon College Savings Plan $344 $356 $764 $873 $0  
Arkansas GIFT College Investing Plan $859 $859 $859 $859 $20 LOWER figures ($659) apply to Arkansas residents eligible for account fee waiver.
Idaho Idaho College Savings Program (IDeal) $823 $823 $823 $823 $20 LOWER figures ($628) apply to Idaho residents eligible for account fee waiver.
Illinois Bright Start College Savings Program - Direct-sold Plan $317 $330 $801 $813 $10/$0 Includes $10 annual account fee for each index option. No account fee for the actively managed options.
Ohio Ohio CollegeAdvantage 529 Savings Plan $230 $255 $480 $786 $0  
Utah Utah Educational Savings Plan (UESP) $0 $204 $275 $769 $2 per $1,000, max $12 Figures would be HIGHER for non-Utah accounts subject to the $12 annual document delivery fee (account owners who do not opt for electronic delivery). Zero cost Public Treasurers´┐Ż Investment Fund option is only available to Utah residents.
Maine NextGen College Investing Plan - Client Direct Series $236 $373 $745 $746 $0
Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) $293 $356 $714 $726 $0  
California The ScholarShare College Savings Plan $103 $116 $678 $715 $0  
Colorado Direct Portfolio College Savings Plan $652 $652 $652 $652 $20 LOWER figures ($456) apply to Colorado residents and other accounts eligible for account fee waiver.
Pennsylvania Pennsylvania 529 Investment Plan $418 $425 $505 $579 $18 Figures would be HIGHER for accounts subject to the $18 annual document delivery fee (account owners who do not opt for electronic delivery).
Nevada The Vanguard 529 Savings Plan $217 $243 $555 $567 $0 Published figures do not include the $20 annual low-balance fee which is charged only on accounts with less than $3,000.
Wisconsin Edvest $179 $192 $518 $543 $0  
North Carolina National College Savings Program $406 $431 $505 $530 $18 Figures would be HIGHER for accounts subject to the $18 annual document delivery fee (account owners who do not opt for electronic delivery).
Vermont Vermont Higher Education Investment Plan $505 $505 $505 $505 $0 Figures would be HIGHER for accounts subject to the $10 annual document delivery fee (account owners who do not opt for electronic delivery).
Tennessee TNStars College Savings 529 Program $462 $462 $462 $462 $0  
Georgia Path2College 529 Plan $243 $255 $356 $419 $0  
Minnesota Minnesota College Savings Plan $238 $276 $377 $414 $0  
Louisiana† START Saving Program $0 $52 $167 $389 $0 Zero-cost option is the fixed income fund managed by the state treasurer.
South Carolina† Future Scholar 529 College Savings Plan (Direct-sold) $26 $77 $318 $331 $0  
West Virginia† SMART529 WV Direct College Savings Plan $90 $103 $318 $331 $0  
Michigan Michigan Education Savings Program $154 $167 $268 $306 $0  
Iowa College Savings Iowa $255 $255 $255 $255 $0  
New York New York's 529 College Savings Program - Direct Plan $205 $205 $205 $205 $0  

† This direct-sold plan is open only to state residents.

 

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