I am NOT a financial advisor so please take this info with a grain of salt.
I am planning on rolling my TRS into a my own RothIRA. I thiiiink you can roll it into the employer's 401k but I would check and see what happens to it if you're not fully vested if you get a new job.
You can also withdraw it, but it comes with a pretty substantial penalty and tax, I think ~30%.
You can make these changes yourself, just involves mailing a lot of forms (some notarized and some not) back and forth to TRS. There are also independent people out there who can "help" you, but I'd encourage you to go to a fiduciary.
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