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 July 23, 2018

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 $604 $616 $1,248 $1,735 $0  
Nebraska Nebraska Education Savings Trust - Direct College Savings Plan $368 $381 $1,025 $1,523 $0  
Arizona Fidelity Arizona College Savings Plan $141 $166 $1,375 $1,408 $0  
Delaware Delaware College Investment Plan $141 $166 $1,375 $1,408 $0  
Massachusetts U.Fund College Investing Plan $141 $166 $1,375 $1,408 $0  
New Hampshire UNIQUE College Investing Plan $141 $166 $1,375 $1,408 $0  
Connecticut Connecticut Higher Education Trust (CHET) $230 $243 $981 $1,369 $0  
Nevada USAA 529 College Savings Plan $738 $798 $1,236 $1,317 $0 Figures shown do not include the $10 annual low-balance fee applicable to accounts under $1,000.
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.
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 $319 $506 $1,155 $1,225 $0  
Texas Texas College Savings Plan $51 $738 $1,150 $1,211 $0  
Indiana CollegeChoice 529 Direct Savings Plan $453 $478 $920 $1,205 $20 LOWER figures (ranging from $255 to $1,014) apply to Indiana residents and other accounts eligible for account fee waiver.
South Dakota† CollegeAccess 529 (Direct-sold) $579 $628 $798 $1,143 $0  
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.
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.
Alabama CollegeCounts 529 Fund $344 $369 $1,052 $1,100 $0  
District of Columbia† DC College Savings Plan $541 $553 $1,003 $1,063 $15 LOWER figures (ranging from $492 to $1,015) apply to DC residents who pay a $10 annual maintenance fee.
Rhode Island† CollegeBound Saver (Direct-sold, Alternative NR) $366 $372 $750 $1,059 $0 LOWER figures (ranging from $45 to $750) apply to Rhode Island residents eligible for program management fee waiver.
New Jersey† NJBEST 529 College Savings Plan $179 $431 $1,021 $1,058 $0  
Illinois Bright Start Direct-Sold College Savings Program $128 $141 $800 $1,029 $0  
Kansas Learning Quest 529 Education Savings Program (Direct-sold) $293 $306 $978 $1,002 $0  
Oklahoma Oklahoma College Savings Plan $444 $469 $825 $969 $0  
Florida Florida 529 Savings Plan $0 $492 $905 $928 $0  
Virginia Invest529 $155 $168 $718 $923 $0 Published figures do not include the one-time $50 application fee (if application is not submitted online.)
Maryland College Savings Plans of Maryland - College Investment Plan $331 $443 $894 $918 $0  
Alaska University of Alaska College Savings Plan $368 $443 $906 $918 $0  
Alaska T. Rowe Price College Savings Plan $443 $567 $906 $918 $0  
Mississippi Mississippi Affordable College Savings (MACS) Program $798 $810 $894 $906 $0 Figures would be HIGHER for accounts subject to the $20 annual document delivery fee (account owners who do not opt for electronic delivery).
North Dakota College SAVE $884 $884 $884 $884 $20 Figures would be LOWER for North Dakota residents eligible for account fee waiver.
Arkansas GIFT College Investing Plan $859 $859 $859 $859 $20 LOWER figures ($659) apply to Arkansas residents eligible for account fee waiver.
Washington Dream Ahead College Investment Plan $699 $702 $748 $852 $35  
Oregon Oregon College Savings Plan $344 $356 $740 $849 $0  
Idaho Idaho College Savings Program (IDeal) $823 $823 $823 $823 $20 LOWER figures ($628) apply to Idaho residents eligible for account fee waiver.
Maine NextGen College Investing Plan - Client Direct Series $236 $334 $715 $802 $0
Utah my529 $0 $192 $258 $744 $0 Zero cost Public Treasurers' Investment Fund option is only available to Utah residents.
California The ScholarShare College Savings Plan $103 $116 $703 $715 $0  
Missouri MOST - Missouri's 529 Savings Plan (Direct-sold) $293 $318 $628 $714 $0  
Ohio Ohio's 529 Plan, CollegeAdvantage $230 $250 $555 $677 $0  
New Mexico The Education Plan's College Savings Program $192 $205 $593 $642 $0  
Colorado Direct Portfolio College Savings Plan $627 $627 $627 $627 $20 LOWER figures ($431) apply to Colorado residents and other accounts eligible for account fee waiver.
Nevada The Vanguard 529 Savings Plan $205 $230 $542 $555 $0  
Wisconsin Edvest $179 $192 $481 $518 $0  
North Carolina National College Savings Program $406 $431 $505 $505 $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 $10 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  
Pennsylvania Pennsylvania 529 Investment Plan $288 $295 $352 $414 $18 Figures would be HIGHER for accounts subject to the $18 annual document delivery fee (account owners who do not opt for electronic delivery).
Georgia Path2College 529 Plan $243 $255 $356 $406 $0  
Minnesota Minnesota College Savings Plan $221 $259 $359 $397 $0  
Louisiana† START Saving Program $0 $52 $167 $389 $0 Zero-cost option is the fixed income fund managed by the state treasurer.
West Virginia† SMART529 WV Direct College Savings Plan $90 $103 $318 $331 $0 Ranging from $154 to $255 effective 8/1/18 with increased program management fee.
South Carolina† Future Scholar 529 College Savings Plan (Direct-sold) $26 $64 $255 $318 $0  
Michigan Michigan Education Savings Program $154 $167 $255 $306 $0  
Iowa College Savings Iowa $255 $255 $255 $255 $0  
New York New York's 529 College Savings Program - Direct Plan $192 $192 $192 $192 $0  

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

 

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