PRPP administrators are going to be required to offer different kinds of accounts with different kinds of risk profiles, including what we're referring to as a default account. An employee who joins a PRPP through their employer or as a self-employed individual will be given some choices as to what kinds of accounts they want to invest in.
In a lot of cases it happens that people don't make those choices. In that situation, they will be automatically put into a default account that is designed to accommodate a different range of investment risk options and people of different ages or stages in their careers, etc. If people don't decide, there will be a default option.