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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 July 31, 2015

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
District of Columbia† DC 529 College Savings Program (Direct-sold) $733 $942 $1,963 $2,277 $15  
Nebraska TD Ameritrade 529 College Savings Plan $640 $677 $1,283 $1,768 $0  
Arizona Fidelity Arizona College Savings Plan $243 $290 $1,689 $1,720 $0  
Delaware Delaware College Investment Plan $243 $290 $1,689 $1,720 $0  
Massachusetts U.Fund College Investing Plan $243 $290 $1,689 $1,720 $0  
New Hampshire UNIQUE College Investing Plan $243 $290 $1,689 $1,720 $0  
Nebraska Nebraska Education Savings Trust - Direct College Savings Plan $406 $443 $1,061 $1,556 $0  
Rhode Island† CollegeBoundfund (Direct-sold, Alternative RI) $51 $128 $1,363 $1,466 $0  
Nevada USAA 529 College Savings Plan $936 $1,044 $1,386 $1,433 $15 LOWER figures (ranging from $786 to $1283) apply to Nevada residents eligible for account fee waiver. Figures shown do not include the $15 annual low-balance fee applicable to accounts under $5,000.
Montana Montana Family Education Savings Program - Investment Plan $1,241 $1,265 $1,323 $1,335 $25 LOWER figures (ranging from $1,002 to $1,096) apply to accounts with a Montana resident as beneficiary and other accounts eligible for account fee waiver.
Connecticut Connecticut Higher Education Trust (CHET) $268 $281 $1,029 $1,311 $0  
Indiana CollegeChoice 529 Direct Savings Plan $553 $602 $1,016 $1,299 $20 LOWER figures (ranging from $356 to $1,108) apply to Indiana residents and other accounts eligible for account fee waiver.
Nevada SSgA Upromise 529 Plan $627 $640 $1,217 $1,287 $20 LOWER figures (ranging from $431 to $1,096) apply to Nevada residents eligible for account fee waiver.
North Dakota College SAVE $1,240 $1,240 $1,240 $1,240 $20 Figures would be LOWER for North Dakota residents eligible for account fee waiver.
Kansas Schwab 529 College Savings Plan $381 $518 $1,116 $1,236 $0  
Texas Texas College Savings Plan $77 $179 $1,158 $1,221 $0  
Alabama CollegeCounts 529 Fund $489 $526 $1,172 $1,220 $12 LOWER figures (ranging from $369 to $1,110) apply to Alabama residents eligible for account fee waiver.
West Virginia SMART529 Select $1,040 $1,100 $1,194 $1,206 $25 Figures would be LOWER for West Virginia residents and for high-balance and auto-contribution accounts eligible for account fee waiver.
Kansas Learning Quest 529 Education Savings Program (Direct-sold) $192 $293 $1,085 $1,131 $0  
Kentucky Kentucky Education Savings Plan Trust $680 $752 $913 $1,123 $0  
Arkansas GIFT College Investing Plan $1,123 $1,123 $1,123 $1,123 $20 LOWER figures ($930) apply to Arkansas residents eligible for account fee waiver.
Hawaii Hawaii's College Savings Program $1,123 $1,123 $1,123 $1,123 $20  
New Jersey† NJBEST 529 College Savings Plan $103 $217 $1,037 $1,120 $0  
Maryland College Savings Plans of Maryland - College Investment Plan $190 $726 $1,086 $1,097 $10 Figures would be LOWER for high-balance and auto-contribution accounts eligible for account fee waiver.
Alaska University of Alaska College Savings Plan $304 $381 $1,086 $1,097 $10 Figures would be LOWER for high-balance, auto-contribution, and ACT-option accounts eligible for account fee waiver.
Alaska T. Rowe Price College Savings Plan $304 $677 $1,086 $1,097 $10 Figures would be LOWER for high-balance and auto-contribution accounts eligible for account fee waiver.
South Dakota† CollegeAccess 529 (Direct-sold) $567 $616 $689 $1,073 $0
Oklahoma Oklahoma College Savings Plan $531 $592 $909 $1,064 $0  
Idaho Idaho College Savings Program (IDeal) $1,051 $1,051 $1,051 $1,051 $20 LOWER figures ($859) apply to Idaho residents eligible for account fee waiver.
Virginia Virginia529 inVEST $245 $257 $923 $1,030 $0 Published figures do not include the one-time $50 application fee (if application is not submitted online.)
Vermont Vermont Higher Education Investment Plan $568 $605 $715 $945 $0  
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 $369 $431 $837 $886 $0 Published figures do not includ 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.
Maine NextGen College Investing Plan - Client Direct Series $249 $387 $873 $882 $0
Oregon Oregon College Savings Plan $344 $381 $764 $873 $0  
Illinois Bright Start College Savings Program - Direct-sold Plan $430 $443 $813 $825 $10/$0 A $10 annual account fee is charged for each index option. No account fee for the actively managed options.
Ohio Ohio CollegeAdvantage 529 Savings Plan $249 $279 $573 $804 $0  
Utah Utah Educational Savings Plan (UESP) $210 $251 $293 $773 $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).
Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) $368 $406 $750 $762 $0 Published figures do not include the $10 annual account fee charged to non-Missouri residents who do not elect electronic delivery of plan documents. The fee is also waived for accounts with at least $10,000.
California The ScholarShare College Savings Plan $141 $154 $727 $752 $0  
Colorado Direct Portfolio College Savings Plan $689 $689 $689 $689 $20 LOWER figures ($493) apply to Colorado residents and other accounts eligible for account fee waiver.
Pennsylvania Pennsylvania 529 Investment Plan $456 $480 $542 $628 $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 $243 $268 $579 $616 $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 $167 $179 $531 $555 $0  
North Carolina National College Savings Program $390 $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).
West Virginia† SMART529 WV Direct College Savings Plan $368 $406 $431 $505 $0  
Georgia Path2College 529 Plan $318 $381 $456 $481 $0  
Tennessee TNStars College Savings 529 Program $462 $462 $462 $462 $0  
Minnesota Minnesota College Savings Plan $252 $278 $391 $428 $0  
Louisiana† START Saving Program $0 $52 $167 $389 $0 Zero-cost option is the fixed income fund managed by the state treasurer.
Michigan Michigan Education Savings Program $192 $205 $306 $356 $0  
Iowa College Savings Iowa $331 $331 $331 $331 $0  
South Carolina† Future Scholar 529 College Savings Plan (Direct-sold) $90 $103 $255 $318 $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.