You need to check the air flow out of each register upstairs with a flow meter and compare that air flow to the down stairs registers. They should be the same. Also check the air temperature at all registers. Most likely you have significant air leaks in the duct work leading to the upstairs. You may also not have sufficient air returns on the second floor. A good HVAC company can help with this and yes you might need to open some walls to get to the duct work. If your duct work is running up outside walls or through the attic space most likely they are not well insulated and you are losing cooling in the uninsulated ducts. At $400 per month, it won't take long to recoup the investment to have a professional look at your system even if you have to open up some walls. On the Holmes Inspection series on TV they often encounter this type of problem and 9 times out of 10 it is poor duct work design and air leaks that are robbing the system of efficiency. Return air paths are not usually well done by contractors, they assume that drywall on studs and open cavities in walls will allow proper air flow back to the unit in the basement. Look inside your ducts to see what size the real opening back to the unit is. Your return air ducts on the second floor must be equal or slightly larger than the total square inches of the delivery ducts. The pro can also check to see if your compressor is working at optimum efficiency as well. You should have R40-50 in your attic. A hot 2nd floor ceiling indicates that the insulation isn't working.
When we upgraded our system a few years ago to add A/C we got a DC powered fan motor so it is variable speed. On the advice of the installer we run the fan on low 24/7 and it balances out the house temp due to sun loading. When the unit is actually cooling it jumps up one speed and then goes back to low once the temp is reached. The year we started the system we turned it on July 5 and ran it 24/7 until early October. We used exactly the same KW that summer as we had the previous year running fans and a dehumidifier. Our house is 2200 sq ft on one story and we pay about $110 per month for electricity (no gas, wood or oil bills either).