Is there any advantage or disadvantage to front loading your catch up contribution. For example; say I do the regular $19500 at equal levels (27 PP for 2020 BTW) and then set the $6500 catch-up to be funded in full at pay period 15. I appears by doing this that I would not exceed the total for the year early, so no loss of the 5% match at end of year; would have the catch-up money drawing interest sooner; and an artificial take home pay bump at PP 16.