I'm pretty sure there was no mention of a FEE during wallet selection process. Of course it's on me, the user, to RTFM and be prepared for the consequences if I don't.
This message was displayed when you created the 2fa wallet:
It failed to elaborate the "a small fee" though.
The message has been there even since Trusted coin's 2fa plugin was added to Electrum.
Source code for v2.0: github.com/spesmilo/electrum/blob/2.0/plugins/trustedcoin.py#L303-L318
Do you believe the 'additional fee' that TrustedCoin charges, will drop along with reduced congestion?
That's is up to them but they rarely reduce their service's fee and it's not based from mining fee rate.The first few replies about "congestion" are due to the lack of info that you're actually using a 2fa wallet,
The "1.1mBTC fee" indicted in the OP didn't help either.
As for TrustedCoin's service fee, they decreased it from 0.5mBTC per txn to its current rate when Bitcoin's price skyrocketed in 2017.
Maybe they'll reduce it again in the next price surge but don't hold your breath to it.
The good news is - if I'm right and 'additional fee' is fixed... I should be able to add more money to this wallet - I have small payments coming in on a regular basis - and then send them to the destination wallet (outside of Electrum). I don't mind paying 1.25 mbtc to TrustedCoin. Let's say off 15 or 20 mBTC. I do have a problem paying this on a 4.5 mbtc transfer to same destination wallet.
The better news is: TrustedCoin's fee wont increase and there's a chance that it may decrease.However, since you mentioned that you'll add small payments regularly to the wallet, it'll affect your transaction fee instead.
In that case, my previous reply about controlling your UTXOs should be applied.
Moreover, an Electrum 2fa wallet is "MultiSig" which has significantly higher size per input than a standard wallet.
Follow my suggestion to decrease the inbound transactions' frequency and increase each amount instead.