401(k) · DOL Form 5500 · 2024

Xero, Inc. 401(k) Plan

Data updated 2026-08-25

$40M
Total assets Below avg plan size
333
Participants Below avg headcount
81st
Percentile by assets National rank
$118,834
Avg per participant Near avg balance/head
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Official DOL plan name: Xero, Inc. 401(k) Plan · Sponsored by Xero, Inc. · Colorado · Professional & Technical Services

$40M in assets, 333 participants

Xero, Inc.'s Xero, Inc. 401(k) Plan reported $40M in total assets and 333 participants in its 2024 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.

  • #16,508 in Professional & Technical Services (20,173 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, $40M for 333 participants (~$118,834/participant), up 23.2% in 2024.

#16,508
in Professional & Technical Services (20,173 peers)
+23.2%
assets growth YoY
0.4×
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 2024 · DOL Form 5500

$39,571,711 Top 19% higher than 81% of 123,620 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 2024

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

Plan-year 2024 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 (333 participants).

What changed between DOL Form 5500 filings

plan year 2023 → plan year 2024

  • Xero, Inc. 401(k) Plan end-of-year assets rose from $32M in the plan year 2023 filing to $40M in the plan year 2024 filing.
  • Xero, Inc. 401(k) Plan reported net income rose from $7M in the plan year 2023 filing to $7M in the plan year 2024 filing.
  • Xero, Inc. 401(k) Plan reported participants fell from 355 in the plan year 2023 filing to 333 in the plan year 2024 filing.

See the national 2023→2024 release diff →

Published 5500 schedule card

Filing strip 451040932 · Xero, Inc. PY 2024 · 401(k)

Xero, Inc. 401(k) Plan · $40M · 333 · 81st

  • BOY $40M
  • SCH 333
  • EBSA 81st
  • PART 401(k)
  • TYPE near Qvt Financial LP 401(k) Profit Sharing Plan
  • NET ind #16508

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

Interim Healthcare of the Upstate 401(k) PlanInterim Healthcare of the Up…$40MLemonade, Inc. 401(k) Plan$40MXero, Inc. 401(k) Plan$40MQvt Financial LP 401(k) Profit Sharing PlanQvt Financial LP 401(k) Prof…$40MInline Plastics Corp. Savings Plus Retirement PlanInline Plastics Corp. Saving…$40M
End-of-year total assets ($M) among Xero, Inc. 401(k) Plan and nearest nationwide 401(k) peers. Source: DOL Form 5500 plan year 2024.

Scale-class filing particulars (2024)

Total Assets (Beginning of Year)$32M
Net Assets (End of Year)$40M
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 -1012345 Total assets ($B) Participants Xero, Inc. 401(k) Plan, Total assets ($B): 0.039571711 · Participants: 333Xero, Inc. 401(k) PlanDavita Retirement Savings Plan, Total assets ($B): 3.81412558 · Participants: 57900Davita Retirement Savings PlanBall Corporation 401(k) and Employee Stock Ownership Plan, Total assets ($B): 2.319532435 · Participants: 9935Ball Corporation 401(k) and Employee Stock Ownership PlanArcadis U.S., Inc. Retirement Savings Plan, Total assets ($B): 2.259964434 · Participants: 7607Arcadis U.S., Inc. Retirement Savings PlanEmpower Retirement, LLC 401(k) Savings Plan, Total assets ($B): 2.234179481 · Participants: 10185Empower Retirement, LLC 401(k) Savings PlanWoodward Retirement Savings Plan, Total assets ($B): 1.965265264 · Participants: 6210Woodward 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 Qvt Financial LP 401(k) Profit Sharing Plan in NY ($40M); by covered participants it is Thrall Enterprises, Inc. Employee Savings Plan in IL (333 participants). Same-state nearby plans are listed separately above.

Closest by plan assets

Nearest other-state filings by tot_assets_eoy ($40M here).

Similar participant headcount

Nearest other-state filings by covered participants (333 participants); asset peers above are excluded.

DOL Form 5500 plan year 2024. 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 2024? ▼
Xero, Inc. 401(k) Plan grew sharply - up 23.2% during 2024, from $32M to $40M. 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 81st percentile by end-of-year assets among 123,622 plans that reported assets for plan year 2024 (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 Qvt Financial LP 401(k) Profit Sharing Plan in NY ($40M, 23 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 Thrall Enterprises, Inc. Employee Savings Plan in IL (333 participants, $80M in assets).

Source: U.S. Department of Labor, Employee Benefits Security Administration (EBSA), Form 5500 public disclosure dataset. Plan year 2024.

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.