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 September 2021

10-year costs on $10,000 investment View report sorted by highest cost or lowest cost
State Direct-sold 529 plan name Lowest cost option 2nd lowest option 2nd highest option Highest cost option Annual account fee Comments
Alabama CollegeCounts 529 Fund $243 $255 $909 $993 $0
Alaska Alaska 529 $192 $230 $859 $1,096 $0
Alaska T. Rowe Price College Savings Plan $230 $418 $859 $1,096 $0
Arizona Fidelity Arizona College Savings Plan $141 $154 $1,184 $1,208 $0
Arkansas GIFT College Investing Plan $859 $859 $859 $859 $20 LOWER figures ($659) apply to Arkansas residents eligible for account fee waiver.
California The ScholarShare College Savings Plan $77 $103 $629 $642 $0
Colorado Direct Portfolio College Savings Plan $590 $590 $590 $590 $20 LOWER figures ($393) apply to Colorado residents and other accounts eligible for account fee waiver.
Connecticut Connecticut Higher Education Trust (CHET) $141 $154 $1,184 $1,208 $0
Delaware DE529 Education Savings Plan $141 $154 $1,184 $1,208 $0
District of Columbia† DC College Savings Plan $546 $556 $1,003 $1,063 $15 LOWER figures (ranging from $497 to $1,015) apply to DC residents who pay a $10 annual maintenance fee.
Florida† Florida 529 Savings Plan $25 $37 $559 $957 $0
Georgia Path2College 529 Plan $77 $90 $141 $154 $0
Hawaii Hawaii's College Savings Program $920 $932 $980 $1,016 $20 LOWER figures (ranging from $726 to $822) apply to Hawaii residents, eligible for account fee waiver.
Idaho Idaho College Savings Program (IDeal) $811 $811 $811 $811 $20 LOWER figures ($616) apply to Idaho residents eligible for account fee waiver.
Illinois Bright Start Direct-Sold College Savings Program $122 $135 $782 $999 $0
Indiana CollegeChoice 529 Direct Savings Plan $403 $422 $871 $1,146 $20 LOWER figures (ranging from $205 to $954) apply to Indiana residents and other accounts eligible for account fee waiver.
Iowa College Savings Iowa $243 $243 $243 $243 $0
Kansas Learning Quest 529 Education Savings Program (Direct-sold) $293 $306 $847 $883 $0
Kansas Schwab 529 College Savings Plan $319 $481 $1,073 $1,143 $0
Kentucky KY Saves 529 $568 $577 $993 $1,003 $0
Louisiana† START Saving Program $0 $26 $104 $138 $0 Zero-cost option is the fixed income fund managed by the state treasurer.
Maine NextGen College Investing Plan - Client Direct Series $220 $258 $610 $622 $0
Maryland Maryland 529 - Maryland Senator Edward J. Kasemeyer College Investment Plan $205 $280 $847 $859 $0
Massachusetts U.Fund College Investing Plan $141 $154 $1,184 $1,208 $0
Michigan Michigan Education Savings Program $84 $96 $135 $160 $0
Minnesota Minnesota College Savings Plan $157 $170 $296 $359 $0
Mississippi Mississippi Affordable College Savings (MACS) Program $786 $810 $883 $906 $20 Figures would be HIGHER for accounts subject to the $20 annual document delivery fee (account owners who do not opt for electronic delivery).
Missouri MOST - Missouri's 529 Savings Plan (Direct-sold) $230 $243 $555 $640 $0
Montana Achieve Montana $947 $956 $976 $977 $25 LOWER figures (ranging from $705 to $734) apply to Montana residents and other accounts eligible for account fee waiver.
Nebraska Nebraska Education Savings Trust - Direct College Savings Plan $154 $167 $764 $825 $0
Nebraska Bloomwell 529 Education Savings Plan $205 $217 $654 $873 $0
Nevada The Vanguard 529 Savings Plan $154 $166 $493 $530 $0
Nevada SSGA Upromise 529 Plan $553 $590 $1,217 $1,287 $20 LOWER figures (ranging from $356 to $1,096) apply to Nevada residents eligible for account fee waiver, or account owners invested in the Savings Portfolio.
Nevada USAA 529 College Savings Plan $567 $653 $1,201 $1,294 $0 Figures shown do not include the $10 annual low-balance fee applicable to non-resident accounts with a balance under $1,000 that do not have an active automatic investment plan.
New Hampshire UNIQUE College Investing Plan $141 $154 $1,184 $1,208 $0
New Jersey† NJBEST 529 College Savings Plan $166 $418 $744 $1,013 $0
New Mexico The Education Plan's College Savings Program $154 $166 $478 $506 $0
New York New York's 529 College Savings Program - Direct Plan $166 $166 $166 $166 $0
North Carolina NC 529 Plan $381 $393 $406 $433 $18 Figures would be HIGHER for accounts subject to the $18 annual document delivery fee (account owners who do not opt for electronic delivery).
North Dakota College SAVE $811 $811 $811 $811 $20 Figures would be LOWER ($616) for North Dakota residents eligible for account fee waiver.
Ohio Ohio's 529 Plan, CollegeAdvantage $186 $198 $511 $548 $0
Oklahoma Oklahoma College Savings Plan $381 $406 $678 $715 $0
Oregon Oregon College Savings Plan $347 $360 $764 $871 $0
Pennsylvania Pennsylvania 529 Investment Plan $263 $264 $364 $389 $10 Figures would be HIGHER for accounts subject to the $10 annual document delivery fee (account owners who do not opt for electronic delivery).
Rhode Island CollegeBound Saver (Direct-sold, Alternative NR) $359 $366 $523 $560 $0 LOWER figures (ranging from $39 to $205) apply to Rhode Island residents eligible for program management fee waiver. As of October 22, 2021 figures are lower, and significantly lower for non-Rhode Island residents due to reduction in program management fee from 0.25% to 0.10%.
South Carolina† Future Scholar 529 College Savings Plan (Direct-sold) $26 $51 $255 $318 $0
South Dakota† CollegeAccess 529 (Direct-sold) $530 $555 $665 $1,443 $0
Tennessee TNStars College Savings 529 Program $304 $310 $1,004 $1,109 $0 Figures reflect state subsidy.
Texas Texas College Savings Plan $51 $738 $1,150 $1,211 $0
Utah my529 $166 $174 $297 $631 $0
Vermont Vermont Higher Education Investment Plan $505 $505 $505 $505 $25 Figures would be HIGHER for accounts subject to the $25 annual document delivery fee (account owners who do not opt for electronic delivery).
Virginia Invest529 $142 $155 $644 $766 $0 Published figures do not include the one-time $50 application fee (if application is not submitted online.)
Washington Dream Ahead College Investment Plan $623 $626 $674 $717 $30
West Virginia SMART529 Select $964 $1,001 $1,033 $1,035 $25 Figures would be LOWER for West Virginia residents and for high-balance and auto-contribution accounts eligible for account fee waiver.
West Virginia† SMART529 WV Direct College Savings Plan $147 $151 $232 $233 $0
Wisconsin Edvest $154 $167 $381 $444 $0

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

 

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