Are mutual funds required to disclose ALL fees they will charge in the prospectus?

I've reviewed the prospectus for American Funds Growth Fund of America. According to the prospectus they only charge a set up fee and annual fee of $10 for class A-529 accounts. I have a regular class A retirement account, but am being charged a $10 annual fee and was charged the $10 setup fee. I am positive this fee is not listed in the prospectus. Can mutual fund companies charge fees that are not disclosed?
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Annuities