401(k) · DOL Form 5500 · 2023

Xero, Inc. 401(k) Plan

Data updated 2026-08-25

$32M
Total assets Below avg plan size
355
Participants Below avg headcount
80th
Percentile by assets National rank
$90,443
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

$32M in assets, 355 participants

Xero, Inc.'s Xero, Inc. 401(k) Plan reported $32M in total assets and 355 participants in its 2023 DOL Form 5500 filing, ranking in the 80th 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.

  • #16,402 in Professional & Technical Services (20,321 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, $32M for 355 participants (~$90,443/participant), up 27.0% in 2023.

#16,402
in Professional & Technical Services (20,321 peers)
+27.0%
assets growth YoY
0.3×
vs typical plan assets (national mean)

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 2023 · DOL Form 5500

$32,107,121 Top 20% higher than 80% of 127,068 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 2023

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

Plan-year 2023 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 (355 participants).

What changed between DOL Form 5500 filings

plan year 2022 → plan year 2023

  • Xero, Inc. 401(k) Plan reported net income rose from -$1M in the plan year 2022 filing to $7M in the plan year 2023 filing.
  • Xero, Inc. 401(k) Plan end-of-year assets rose from $25M in the plan year 2022 filing to $32M in the plan year 2023 filing.
  • Xero, Inc. 401(k) Plan reported participants rose from 347 in the plan year 2022 filing to 355 in the plan year 2023 filing.

See the national 2022→2023 release diff →

Plan-year Form 5500 strip

Filing strip 451040932 · Xero, Inc. PY 2023 · 401(k)

Xero, Inc. 401(k) Plan · $32M · 355 · 80th

  • IND $32M
  • IND 355
  • IND 80th
  • IND 401(k)
  • IND near Rouse's Enterprises, L.L.C. Profit Sharing & 401(k) Plan
  • IND ind #16402

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$32MRouse's Enterprises, L.L.C. Profit Sharing & 401(k) PlanRouse's Enterprises, L.L.C. …$32MHardwoods Specialty Products 401(k) Retirement Savings PlanHardwoods Specialty Products…$32MLeadwise 401(k) Plan$32MOne Spa World 401(k) Savings Plan IOne Spa World 401(k) Savings…$32M
End-of-year total assets ($M) among Xero, Inc. 401(k) Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2023.

Scale-class filing particulars (2023)

Total Assets (Beginning of Year)$25M
Net Assets (End of Year)$32M
Net Income$7M
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 -101234 Total assets ($B) Participants Xero, Inc. 401(k) Plan, Total assets ($B): 0.032107121 · Participants: 355Xero, Inc. 401(k) PlanDavita Retirement Savings Plan, Total assets ($B): 3.326219779 · Participants: 57711Davita Retirement Savings PlanBall Corporation 401(k) and Employee Stock Ownership Plan, Total assets ($B): 2.806549522 · Participants: 10349Ball Corporation 401(k) and Employee Stock Ownership PlanEmpower Retirement, LLC 401(k) Savings Plan, Total assets ($B): 1.852270164 · Participants: 10036Empower Retirement, LLC 401(k) Savings PlanWoodward Retirement Savings Plan, Total assets ($B): 1.765770435 · Participants: 5847Woodward Retirement Savings PlanArcadis U.S., Inc. Retirement Savings Plan, Total assets ($B): 1.686655183 · Participants: 5491Arcadis U.S., Inc. Retirement 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 Rouse's Enterprises, L.L.C. Profit Sharing & 401(k) Plan in LA ($32M); by covered participants it is Onin Group 401(k) Plan in AL (355 participants). Same-state nearby plans are listed separately above.

Similar participant headcount

Nearest other-state filings by covered participants (355 participants); asset peers above are excluded.

DOL Form 5500 plan year 2023. 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 2023? ▼
Xero, Inc. 401(k) Plan grew sharply - up 27.0% during 2023, from $25M to $32M. Reported net income was $7M.
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 80th percentile by end-of-year assets among 127,072 plans that reported assets for plan year 2023 (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 Rouse's Enterprises, L.L.C. Profit Sharing & 401(k) Plan in LA ($32M, 3,677 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 Onin Group 401(k) Plan in AL (355 participants, $4M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2023.

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.