401(k) · DOL Form 5500 · 2022

Xero, Inc. 401(k) Plan

Data updated 2026-08-25

$25M
Total assets Below avg plan size
347
Participants Below avg headcount
81st
Percentile by assets National rank
$72,881
Avg per participant Below avg balance/head
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Official DOL plan name: Xero, Inc. 401(k) Plan · Sponsored by Xero, Inc. · Colorado · Professional & Technical Services

$25M in assets, 347 participants

Xero, Inc.'s Xero, Inc. 401(k) Plan reported $25M in total assets and 347 participants in its 2022 DOL Form 5500 filing, ranking in the 81st percentile by assets among filed plans. Figures are as reported by the plan sponsor to the Department of Labor, not audited or endorsed by PlainRetire.

  • #17,509 in Professional & Technical Services (21,562 peers)

Where Xero, Inc. 401(k) Plan sits by assets

Xero, Inc. 401(k) Plan sits in the top quartile of all filed plans by assets, $25M for 347 participants (~$72,881/participant), down 4.0% in 2022.

#17,509
in Professional & Technical Services (21,562 peers)
-4.0%
assets change YoY
0.3×
vs typical plan assets (national mean)

The plan reported a net loss of $1M for the year, a single-year figure driven by markets and benefit payments, not a measure of plan health.

Xero, Inc. 401(k) Plan's outsized position by total assets

Xero, Inc. 401(k) Plan vs every filed plan by assets

End-of-year total assets · plan year 2022 · DOL Form 5500

$25,289,869 Top 19% higher than 81% of 139,123 filed plans

This plan $0 $2,050,000,000 every filed plan with reported assets, bucketed by value

Dashed line + filled bar = this entry, among filed plans.

Source U.S. Department of Labor Form 5500 filings (EBSA) · plan year 2022

Xero, Inc. 401(k) Plan among mid-size filed plans by headcount

Plan-year 2022 Form 5500 filings with a reported participant count, partitioned by headcount band, not by assets. Xero, Inc. 401(k) Plan sits mid-pack in the medium band (347 participants).

DOL schedule card

Filing strip 451040932 · Xero, Inc. PY 2022 · 401(k)

Xero, Inc. 401(k) Plan · $25M · 347 · 81st

  • BOY $25M
  • BOY 347
  • BOY 81st
  • BOY 401(k)
  • BOY near Levin Papantonio Et. Al. PA 401(k) Profit Sharing Plan
  • BOY ind #17509

Stamps derive from this plan's Form 5500 line items (assets, participants, type, EIN, cohort placement) - not a quality rating of the sponsor. Read with Professional & Technical Services retirement plans → · Plans in Colorado →

Xero, Inc. 401(k) Plan in the asset neighbourhood

Xero, Inc. 401(k) Plan$25MLevin Papantonio Et. Al. PA 401(k) Profit Sharing PlanLevin Papantonio Et. Al. PA …$25MDavis & Floyd, Inc. Profit Sharing PlanDavis & Floyd, Inc. Profit S…$25MQmc-Emi Holding Corporation Profit Sharing & 401(k) PlanQmc-Emi Holding Corporation …$25MHerrick, Feinstein LLP Savings Plan (New)Herrick, Feinstein LLP Savin…$25M
End-of-year total assets ($M) among Xero, Inc. 401(k) Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2022.

Scale-class filing particulars (2022)

Total Assets (Beginning of Year)$26M
Net Assets (End of Year)$25M
Net Income-$1M
Employer EIN451040932
Plan Effective Date2012-01-01
Filing StatusFILING RECEIVED

Sponsor Plan History (Xero, Inc.)

Sponsor-wide plan assets over time

All Xero, Inc. plans reported in each filing year

Latest sponsor-wide plan assets
$40M 56.47258196552936% vs 2022
2024 filing year
$20M$25M$30M$35M$40M$45M 202220232024 $25.3M $39.6M ▲ +56.5%
Year Plans Participants Total Assets
2022 1 347 $25M
2023 1 355 $32M
2024 1 333 $40M

Nearby 401(k) Plans in Colorado

Peer 401(k) plans, same state, same plan type, ranked by total assets.

Xero, Inc. 401(k) Plan vs. nearby 401(k) plans in Colorado, assets vs. participants Scatter plot of 6 data points. -20000020000400006000080000 -10123 Total assets ($B) Participants Xero, Inc. 401(k) Plan, Total assets ($B): 0.025289869 · Participants: 347Xero, Inc. 401(k) PlanDavita Retirement Savings Plan, Total assets ($B): 2.75238679 · Participants: 57172Davita Retirement Savings PlanBall Corporation 401(k) and Employee Stock Ownership Plan, Total assets ($B): 2.51543651 · Participants: 10671Ball Corporation 401(k) and Employee Stock Ownership PlanScl Health 401(k) Retirement Savings Plan, Total assets ($B): 1.514958969 · Participants: 12642Scl Health 401(k) Retirement Savings PlanWoodward Retirement Savings Plan, Total assets ($B): 1.504801917 · Participants: 5046Woodward Retirement Savings PlanEmpower Retirement, LLC 401(k) Savings Plan, Total assets ($B): 1.49307635 · Participants: 7741Empower Retirement, LLC 401(k) Savings Plan
Xero, Inc. 401(k) Plan vs. nearby 401(k) plans in Colorado, assets vs. participants
Compare Xero, Inc. 401(k) Plan side-by-side with 3 peers →

Xero, Inc. 401(k) Plan's out-of-state 401(k) peers by assets and headcount

Outside Colorado, the nearest 401(k) by assets is Levin Papantonio Et. Al. PA 401(k) Profit Sharing Plan in FL ($25M); by covered participants it is Spire 401(k) Plan in MN (347 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (347 participants); asset peers above are excluded.

DOL Form 5500 plan year 2022. Asset totals can differ widely at the same headcount; neither axis is a quality rating.

Frequently Asked Questions

How did Xero, Inc. 401(k) Plan assets move in 2022? ▼
Xero, Inc. 401(k) Plan edged down modestly - down 4.0% during 2022, from $26M to $25M. Reported net income was -$1M.
How have Xero, Inc. plan assets changed over time? ▼
Across 3 plan years on file (2022-2024), Xero, Inc.'s sponsor-wide assets grew 56.5%, from $25M to $40M.
Where does Xero, Inc. 401(k) Plan rank by assets among Form 5500 filers? ▼
Xero, Inc. 401(k) Plan ranks in the 81st percentile by end-of-year assets among 139,126 plans that reported assets for plan year 2022 (in the top quartile of all filed plans by assets).
Which 401(k) plans are similar in size to Xero, Inc. 401(k) Plan? ▼
Among 401(k) plans in other states, the closest by assets is Levin Papantonio Et. Al. PA 401(k) Profit Sharing Plan in FL ($25M, 213 participants).
Which 401(k) plans cover a similar participant headcount to Xero, Inc. 401(k) Plan? ▼
Among 401(k) plans in other states, the closest by covered participants is Spire 401(k) Plan in MN (347 participants, $32M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2022.

Source: DOL EFAST2 filing system (efast.dol.gov) - original filing retrieval by EIN 451040932.

Read our methodology - how this data is sourced, computed, and verified.

Data sourced from U.S. Department of Labor Form 5500 filings (EBSA). See our methodology for details.