529 Fee Study

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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 January 17, 2017

10-year costs on $10,000 investment View report sorted by highest cost or state
State Direct-sold 529 plan name Lowest cost options 2nd lowest options 2nd highest options Highest cost options Annual account fee Comments
Louisiana† START Saving Program $0 $52 $167 $389 $0 Zero-cost option is the fixed income fund managed by the state treasurer.
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 TreasurersŐ Investment Fund option is only available to Utah residents.
Florida Florida 529 Savings Plan $0 $492 $905 $928 $0  
South Carolina† Future Scholar 529 College Savings Plan (Direct-sold) $26 $64 $255 $318 $0  
Texas Texas College Savings Plan $51 $738 $1,150 $1,211 $0  
California The ScholarShare College Savings Plan $103 $116 $678 $715 $0  
Virginia Virginia529 inVEST $130 $155 $791 $959 $0 Published figures do not include the one-time $50 application fee (if application is not submitted online.)
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  
Michigan Michigan Education Savings Program $154 $167 $268 $306 $0  
Wisconsin Edvest $179 $192 $518 $543 $0  
New Jersey† NJBEST 529 College Savings Plan $179 $243 $1,049 $1,096 $0  
New York New York's 529 College Savings Program - Direct Plan $205 $205 $205 $205 $0  
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.
Ohio Ohio CollegeAdvantage 529 Savings Plan $230 $255 $480 $786 $0  
Maine NextGen College Investing Plan - Client Direct Series $236 $373 $745 $746 $0
Minnesota Minnesota College Savings Plan $238 $276 $377 $414 $0  
Iowa College Savings Iowa $255 $255 $255 $255 $0  
Connecticut Connecticut Higher Education Trust (CHET) $268 $281 $1,029 $1,311 $0  
Kansas Learning Quest 529 Education Savings Program (Direct-sold) $293 $306 $1,085 $1,131 $0  
Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) $293 $356 $714 $726 $0  
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.
Georgia Path2College 529 Plan $318 $381 $456 $481 $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.
Oregon Oregon College Savings Plan $344 $356 $764 $873 $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.
West Virginia† SMART529 WV Direct College Savings Plan $368 $406 $431 $505 $0  
Alabama CollegeCounts 529 Fund $369 $381 $1,052 $1,100 $0  
Kansas Schwab 529 College Savings Plan $381 $518 $1,166 $1,236 $0  
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.
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).
Nebraska Nebraska Education Savings Trust - Direct College Savings Plan $406 $443 $1,061 $1,556 $0  
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).
Tennessee TNStars College Savings 529 Program $462 $462 $462 $462 $0  
Indiana CollegeChoice 529 Direct Savings Plan $478 $516 $944 $1,229 $20 LOWER figures (ranging from $280 to $1,037) apply to Indiana residents and other accounts eligible for account fee waiver. Figures change effective 8/1/16.
Vermont Vermont Higher Education Investment Plan $505 $505 $505 $505 $0 The plan reserves the right to charge accounts a $10 annual document delivery fee (account owners who do not opt for electronic delivery). The plan has not yet activated this option, but if/when this occurs the figures would be HIGHER.
South Dakota† CollegeAccess 529 (Direct-sold) $530 $567 $665 $1,084 $0  
Oklahoma Oklahoma College Savings Plan $531 $592 $909 $1,064 $0  
Maryland College Savings Plans of Maryland - College Investment Plan $578 $677 $1,086 $1,097 $10 Figures would be LOWER for high-balance and auto-contribution accounts eligible for account fee waiver.
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.
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.
Nebraska TD Ameritrade 529 College Savings Plan $640 $677 $1,283 $1,768 $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.
Kentucky Kentucky Education Savings Plan Trust $678 $752 $909 $1,123 $0  
District of Columbia† DC 529 College Savings Program (Direct-sold) $729 $845 $1,963 $2,115 $15  
Nevada USAA 529 College Savings Plan $777 $789 $1,231 $1,313 $10 LOWER figures (ranging from $677 to $1,213) apply to Nevada residents eligible for account fee waiver. Figures shown do not include the $10 annual low-balance fee applicable to accounts under $1,000.
Mississippi Mississippi Affordable College Savings (MACS) Program $800 $812 $897 $909 $0  
Idaho Idaho College Savings Program (IDeal) $835 $835 $835 $835 $20 LOWER figures ($640) apply to Idaho residents eligible for account fee waiver.
Arkansas GIFT College Investing Plan $908 $908 $908 $908 $20 LOWER figures ($708) apply to Arkansas residents eligible for account fee waiver.
West Virginia SMART529 Select $1,040 $1,100 $1,182 $1,194 $25 Figures would be LOWER for West Virginia residents and for high-balance and auto-contribution accounts eligible for account fee waiver.
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.
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.
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.

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

 

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