We have investigated the X-ray spectral properties of a sample of 138 X-ray sources detected serendipitously in $XMM-Newton$ observations of the Galactic plane, at an intermediate to faint flux level. We divide our sample into 5 subgroups according to the spectral hardness of the sources, and stack (i.e. co-add) the individual source spectra within each subgroup. As expected these stacked spectra show a softening trend from the hardest to the softest subgroups, which is reflected in the inferred line-of-sight column density. The spectra of the three hardest subgroups are characterized by a hard continuum plus superimpose Fe-line emission in the 6--7 keV bandpass. The average equivalent width (EW) of the 6.7-keV He-like Fe-K$alpha$ line is 170$^{+35}_{-32}$ eV, whereas the 6.4-keV Fe-K fluorescence line from neutral iron and the 6.9-keV H-like Fe-Ly$alpha$ line have EWs of 89$^{+26}_{-25}$ eV and 81$^{+30}_{-29}$ eV respectively, i.e. roughly half that of the 6.7-keV line. The remaining subgroups exhibit soft thermal spectra. Virtually all of the spectrally-soft X-ray sources can be associated with relatively nearby coronally-active late-type stars, which are evident as bright near-infrared (NIR) objects within the X-ray error circles. On a similar basis only a minority of the spectrally-hard X-ray sources have likely NIR identifications. The average continuum and Fe-line properties of the spectrally-hard sources are consistent with those of magnetic cataclysmic variables but the direct identification of large numbers of such systems in Galactic X-ray surveys, probing intermediate to faint flux levels, remains challenging.
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