Xpel, Inc. 401(k) Review & Grade
Xpel, Inc. Retirement Trust
San Antonio, TXProfessional, Scientific & Technical Services626 active participantsPlan year 2024
Estimate from the plan's Form 5500 filing · How we grade
$1,748Employer $ per active participant
$3,363Employee $ saved per active participant
0.43%Direct admin cost, % of plan assets
$14.6MNet plan assets, end of year
$43,592Average balance per account
Score breakdown
- Employer generosity15.3 / 5031th percentile for employer $ per participant
- Low cost7.0 / 2528th percentile for low admin cost vs. same-size plans
- Employee saving2.6 / 1517th percentile for employee $ per participant
- Plan features3 / 10Default investment
Total score28 / 100 · Grade F
This plan vs. peers
Peers: Professional, Scientific & Technical Services plans with 500–2,499 active participants (1,469 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 31th |
| Lower admin cost | 28th |
| Employee saving | 17th |
| Peers that auto-enroll | 48% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Xpel put in about $1,748 per active participant, below the typical peer ($3,082). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Direct plan expenses (0.43% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $1,093,416 |
| Participant (employee) contributions | $2,103,353 |
| Other contributions (incl. rollovers in) | $25,683 |
| Administrative expenses paid from the plan | $55,404 |
| Investment advisory & management fees | $14,251 |
| Benefits paid out | $1,361,097 |
| Net assets, start / end of year | $11.0M / $14.6M |
| Active participants, start / end of year | 552 / 699 |
| Participants with account balances | 335 |
| Auto-enrollment (feature code 2S) | Not reported |
| Auditor | Forvis Mazars LLP |
| Employer stock held by plan | $1,709,411 |
Largest service providers (Schedule C)
| Fidelity Investments Institutional | $44,318 reported compensation |
| Marcado Asset Management LLC | $9,928 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20250918151637NAL0003515042001, received 2025-09-18, EIN 20-1117381, plan #001, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.