"A general observation from other streams: Stocked trout that become thin during the summer from going off feed rarely appear to recover in the fall and most likely largely pass away in the late fall or winter due to limited fat reserves. Since the thin ones have gradually died and the remaining fish are in fair to good condition, one must consider that this possibly gives one the impression that the formerly thin fish have recovered. As I have said previously, average annual mortality rates in Pa wild trout streams, for instance, are 60-65 percent. "
I would think the 60-65% is for stocked trout after the first season. .
Not being a fisheries biologist, I would think natural mortality for wild trout varies greatly by age class and even type of stream, etc. There are lots of variables. The rates Mike presented may be more applicable for 1st year or younger age class fish, which that might even be low. I would think mortality declines greatly after the first year or two until the trout become very old, then natural mortality rises again with old age.