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 March 2020

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.
Florida† Florida 529 Savings Plan $25 $37 $373 $758 $0
South Carolina† Future Scholar 529 College Savings Plan (Direct-sold) $26 $51 $255 $318 $0
Texas Texas College Savings Plan $51 $738 $1,150 $1,211 $0
California The ScholarShare College Savings Plan $103 $128 $678 $691 $0
Illinois Bright Start Direct-Sold College Savings Program $128 $141 $800 $1,029 $0
Arizona Fidelity Arizona College Savings Plan $141 $154 $1,209 $1,210 $0
Delaware Delaware College Investment Plan $141 $154 $1,209 $1,210 $0
Massachusetts U.Fund College Investing Plan $141 $154 $1,209 $1,210 $0
New Hampshire UNIQUE College Investing Plan $141 $154 $1,327 $1,370 $0
Virginia Invest529 $142 $155 $693 $779 $0 Published figures do not include the one-time $50 application fee (if application is not submitted online.)
West Virginia† SMART529 WV Direct College Savings Plan $147 $151 $250 $280 $0
Michigan Michigan Education Savings Program $154 $167 $255 $306 $0
New Mexico The Education Plan's College Savings Program $154 $172 $519 $555 $0
Minnesota Minnesota College Savings Plan $157 $170 $221 $309 $0
New York New York's 529 College Savings Program - Direct Plan $166 $166 $166 $166 $0
Wisconsin Edvest $167 $179 $444 $481 $0 Per Plan Description and Participation Agreement dated 3/9/2020
New Jersey† NJBEST 529 College Savings Plan $179 $443 $919 $1,004 $0
Utah my529 $179 $187 $230 $717 $0
Nevada The Vanguard 529 Savings Plan $192 $249 $542 $555 $0
Connecticut Connecticut Higher Education Trust (CHET) $205 $217 $812 $1,206 $0
Ohio Ohio's 529 Plan, CollegeAdvantage $217 $236 $542 $677 $0
Maine NextGen College Investing Plan - Client Direct Series $223 $269 $679 $684 $0
Georgia Path2College 529 Plan $230 $243 $356 $394 $0
Iowa College Savings Iowa $255 $255 $255 $255 $0
Pennsylvania Pennsylvania 529 Investment Plan $276 $295 $352 $402 $10 Figures would be HIGHER for accounts subject to the $10 annual document delivery fee (account owners who do not opt for electronic delivery).
Kansas Learning Quest 529 Education Savings Program (Direct-sold) $293 $306 $955 $1,002 $0
Missouri MOST - Missouri's 529 Savings Plan (Direct-sold) $293 $318 $628 $714 $0
Tennessee TNStars College Savings 529 Program $304 $310 $1,004 $1,109 $0 Figures reflect state subsidy.
Kansas Schwab 529 College Savings Plan $319 $493 $1,155 $1,225 $0
Maryland Maryland 529 - Maryland Senator Edward J. Kasemeyer College Investment Plan $331 $443 $847 $859 $0
Oregon Oregon College Savings Plan $331 $340 $763 $890 $0
Alabama CollegeCounts 529 Fund $344 $369 $1,052 $1,100 $0
Alaska Alaska 529 $356 $443 $847 $859 $0
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.
Nebraska Nebraska Education Savings Trust - Direct College Savings Plan $368 $381 $1,025 $1,523 $0
Oklahoma Oklahoma College Savings Plan $381 $406 $752 $897 $0
North Carolina National College Savings Program $393 $418 $431 $493 $18 Figures would be HIGHER for accounts subject to the $18 annual document delivery fee (account owners who do not opt for electronic delivery).
Indiana CollegeChoice 529 Direct Savings Plan $428 $453 $896 $1,170 $20 LOWER figures (ranging from $230 to $978) apply to Indiana residents and other accounts eligible for account fee waiver.
Nebraska TD Ameritrade 529 College Savings Plan $431 $443 $859 $1,084 $0
Alaska T. Rowe Price College Savings Plan $443 $555 $847 $859 $0
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).
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.
Nevada SSGA Upromise 529 Plan $553 $615 $992 $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.
South Dakota† CollegeAccess 529 (Direct-sold) $567 $591 $1,201 $1,363 $0
Kentucky KY Saves 529 $570 $592 $1,011 $1,054 $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 USAA 529 College Savings Plan $665 $738 $1,213 $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.
Washington Dream Ahead College Investment Plan $673 $677 $768 $852 $35
Mississippi Mississippi Affordable College Savings (MACS) Program $798 $810 $894 $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).
Idaho Idaho College Savings Program (IDeal) $811 $811 $811 $811 $20 LOWER figures ($616) apply to Idaho 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.
North Dakota College SAVE $884 $884 $884 $884 $20 Figures would be LOWER ($689) for North Dakota residents eligible for account fee waiver.
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.
West Virginia SMART529 Select $964 $1,015 $1,081 $1,086 $25 Figures would be LOWER for West Virginia residents and for high-balance and auto-contribution accounts eligible for account fee waiver.
Montana Achieve Montana $1,227 $1,232 $1,257 $1,268 $25 LOWER figures (ranging from $987 to $1,028) apply to Montana residents and other accounts eligible for account fee waiver.

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

 

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