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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 February 14, 2014

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) $778 $985 $2,309 $2,488 $15  
Nebraska TD Ameritrade 529 College Savings Plan $640 $665 $1,294 $1,735 $0  
Arizona Fidelity Arizona College Savings Plan $243 $300 $1,657 $1,683 $0  
Delaware Delaware College Investment Plan $243 $300 $1,657 $1,683 $0  
Massachusetts U.Fund College Investing Plan $243 $300 $1,657 $1,683 $0  
New Hampshire UNIQUE College Investing Plan $243 $300 $1,657 $1,683 $0  
Kansas Schwab 529 College Savings Plan $518 $690 $1,578 $1,668 $0  
Nebraska NEST Direct College Savings Plan $406 $431 $1,073 $1,523 $0  
Rhode Island† CollegeBoundfund (Direct-sold, Alternative RI) $51 $128 $1,363 $1,466 $0  
Nevada USAA College Savings Plan $960 $1,033 $1,386 $1,444 $15 LOWER figures (ranging from $810 to $1294) 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 $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.
Indiana CollegeChoice 529 Direct Savings Plan $565 $627 $1,028 $1,310 $20 LOWER figures (ranging from $368 to $1,120) apply to Indiana residents and other accounts eligible for account fee waiver.
Kansas Learning Quest 529 Education Savings Program (Direct-sold) $306 $319 $1,225 $1,294 $0  
Nevada SSgA Upromise 529 Plan $615 $652 $1,217 $1,287 $20 LOWER figures (ranging from $418 to $1,096) apply to Nevada residents eligible for account fee waiver.
New Jersey† NJBEST 529 College Savings Plan $431 $505 $1,259 $1,271 $0  
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.
Alabama CollegeCounts 529 Fund $489 $526 $1,053 $1,232 $12 LOWER figures (ranging from $369 to $1,112) 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.
Maryland College Savings Plans of Maryland - College Investment Plan $190 $835 $1,168 $1,180 $10 Figures would be LOWER for high-balance and auto-contribution accounts eligible for account fee waiver.
Alaska University of Alaska College Savings Plan $381 $404 $1,156 $1,180 $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 $404 $835 $1,156 $1,180 $10 Figures would be LOWER for high-balance and auto-contribution accounts eligible for account fee waiver.
Oklahoma Oklahoma College Savings Plan $592 $654 $981 $1,135 $0  
Kentucky Kentucky Education Savings Plan Trust $703 $752 $933 $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  
Idaho Idaho College Savings Program (IDeal) $1,123 $1,123 $1,123 $1,123 $20 LOWER figures ($930) apply to Idaho residents eligible for account fee waiver.
Virginia Virginia529 inVEST $308 $321 $983 $1,090 $0 Published figures do not include the one-time $25 application fee.
South Dakota† CollegeAccess 529 (Direct-sold) $567 $579 $786 $1,084 $0
Connecticut Connecticut Higher Education Trust (CHET) $369 $406 $703 $1,076 $0  
Vermont Vermont Higher Education Investment Plan $629 $678 $800 $1,040 $0  
Maine NextGen College Investing Plan - Client Direct Series $390 $450 $1,024 $1,037 $0
Texas Texas College Savings Plan $531 $593 $994 $1,018 $0  
Utah Utah Educational Savings Plan (UESP) $360 $404 $443 $938 $3 per $1,000, max $15 LOWER figures ($0 to $788) apply to Utah residents eligible for account fee waiver (the zero-cost option being the Public Treasurer Investment Fund).
Oregon Oregon College Savings Plan $406 $469 $849 $933 $0  
Florida Florida 529 Savings Plan $928 $928 $928 $928 $0 Published figures do not include the one-time $50 application fee.
Ohio Ohio CollegeAdvantage 529 Savings Plan $274 $284 $816 $924 $0  
Mississippi Mississippi Affordable College Savings (MACS) Program $812 $825 $885 $897 $0  
New Mexico The Education Plan's College Savings Program $369 $431 $837 $886 $0 Published figures do not include the $25 annual account fee charged to non-New Mexico residents who do not elect eletronic delivery of plan documents and do not invest entirely in index options. The fee is also waived for accounts with at least $10,000.
Illinois Bright Start College Savings Program - Direct-sold Plan $330 $343 $813 $825 $10/$0 A $10 annual account fee is charged for each index option. No account fee for the actively managed options.
Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) $368 $406 $714 $774 $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.
Colorado Direct Portfolio College Savings Plan $774 $774 $774 $774 $20 LOWER figures ($579) apply to Colorado residents and other accounts eligible for account fee waiver.
California The ScholarShare College Savings Plan $154 $167 $752 $764 $0  
Minnesota Minnesota College Savings Plan $583 $596 $620 $706 $0  
Nevada The Vanguard 529 Savings Plan $268 $293 $604 $628 $0 Published figures do not include the $20 annual low-balance fee which is charged only on accounts with less than $3,000.
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).
Wisconsin Edvest (Direct-sold) $192 $217 $555 $568 $0  
North Carolina National College Savings Program $390 $431 $518 $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).
Louisiana† START Saving Program $0 $61 $208 $519 $0 Zero-cost option is the fixed income fund managed by the state treasurer.
Georgia Path2College 529 Plan $356 $431 $506 $518 $0  
West Virginia† SMART529 WV Direct College Savings Plan $368 $406 $431 $505 $0  
Tennessee TNStars College Savings 529 Program $444 $444 $444 $444 $0  
Michigan Michigan Education Savings Program $255 $268 $356 $381 $0  
Iowa College Savings Iowa $356 $356 $356 $356 $0  
South Carolina† Future Scholar 529 College Savings Plan (Direct-sold) $90 $103 $280 $318 $0  
New York New York's 529 College Savings Program - Direct Plan $217 $217 $217 $217 $0  

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