<prompt> Human: Ive seen people on this sub say that for some employers you have to spread your deposits out over the year to get your full company match, but if they matched up to say 5 wouldnt they just put in 5 of 18.5k in January just as well as through the year? What am I not seeing?  <response>: The question is whether your companys plan has a true up feature. Ask your HR benefits person. They will know. This is very important. 