Utah Educational Savings Plan

Low Fees

UESP's fee structure has three parts. Click the fee name to learn more:

Vanguard and Dimensional charge an operating expense ratio for each underlying mutual fund. There is no expense ratio for the Public Treasurers’ Investment Fund and the FDIC-insured accounts. UESP’s Administrative Asset Fee and Administrative Mail Delivery Fee cover UESP’s operating expenses and are calculated based on an account's balance on the last business day of each month that both UESP and the New York Stock Exchange are open.

For age-based and static investment options, the total annual asset-based fees range from 0.160 to 0.224 percent. This includes the underlying fund operating expense ratios, if any, and the 0.140 to 0.180 percent Administrative Asset Fee. Utah residents invested in the Public Treasurers’ Investment Fund are not charged the Administrative Asset Fee.

For customized investment options, the total annual asset-based fees vary between 0.200 to 0.603 percent depending on the underlying investments the account owner/agent selects. This includes the underlying fund operating expense ratios, if any, and the 0.200 percent Administrative Asset Fee.

To determine the total fees on each account, click the following:

Compare the approximate cost of investing in UESP over different periods of time using the UESP Approximate Cost of a $10,000 Investment Table.

Underlying Fund Operating Expense Ratios

Vanguard and Dimensional charge an operating expense ratio for each underlying mutual fund. Vanguard and Dimensional expense ratios do not appear on UESP quarterly account statements because the fees are deducted from the applicable underlying fund by Vanguard or Dimensional (and because an account owner does not own shares in the Vanguard or Dimensional mutual funds). The performance and market values of a UESP account are net of any fund expense ratios.