As of the end of 2013 (the most recent information available) the Trump retirement plan had 1,136 participants with account balances totaling $22.9 million, or an average of just over $20,000.
The plan covers nonunionized employees of 35 entities in the Trump empire, including The Mar-a-Lago Club LLC, Trump University LLC, Trump Las Vegas Sales & Marketing Inc. and Eric TrumpWine Manufacturing LLC.
The Trump plan lacks automatic enrollment, a feature that dramatically increases participation rates, said Brigitte Madrian, a Harvard Kennedy School professor who reviewed the filings at Bloomberg's request.
Also, she said, although many companies suspended matching contributions during the recession,Trump resumed his later than others.
Madrian said, however, that the Trump plan looks fairly typical in industries with significant employee turnover.
"If the plan really wanted to facilitate employee savings, it would institute automatic enrollment, reduce or eliminate the eligibility requirement, and vest employees in the employer match more quickly," she said.
The Donald's apprentices would fare much better if they got jobs at the network that used to air his show: NBC, owned by Comcast. According to the most recent filings, the network's employees are fully vested in their matching contributions from day one.