September 04, 2019 01:10 Updated Follow If your employees don’t make an election, they will be enrolled in the default option, which is TRF Hybrid. Related articles How much can employers pay into the TRF My Choice: Retirement Savings Plan? What is the difference between TRF Hybrid and TRF My Choice Retirement Savings Plan? What is the TRF My Choice: Retirement Savings Plan supplemental rate? Who is eligible to participate in TRF My Choice? Does the gross annual payroll percentage remain the same or does it change?