§ 91.185 IFR operations: Two-way radio communications failure.
(3)(ii) If the clearance limit is not a fix from which an approach begins, leave the clearance limit at the expect-further-clearance time if one has been received, or if none has been received, upon arrival over the clearance limit, and proceed to a fix from which an approach begins and commence descent or descent and approach as close as possible to the estimated time of arrival as calculated from the filed or amended (with ATC) estimated time en route.

Leave your limit (that is not the IAF) at EFC if you have it. If not, leave at a time that will allow you to begin an approach at ETA.