how much does a 529 plan cost 
states often charge an annual maintenance fee for a 529 plan which ranges from free to 25 15 in addition if you bought your 529 plan through a broker or advisor they may charge you an additional fee for the assets under management 16 the individual investments and funds inside your 529 may also charge ongoing fees look for low cost mutual funds and etfs to keep management fees low who maintains control over a 529 plan a 529 plan is technically a custodial account so an adult custodian controls the funds for the benefit of a minor the beneficiary can assume control over the 529 once they turn 18 however the funds must still be used for qualifying education expenses 