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I don't see this as a "gotcha". Unlike some of the finer points being discussed in this thread, the limit and matching amount are the most basic parts of a 401K plan.
If someone offers to give me nn% for free, I think I can do the simple math to insure I get the full nn% over the 12 months rather than try to front load my contributions and lose some of the free $$ at the back end.

You stated that some employers would continue the match while others would not. I can't think of any reason or way that an employer could/would continue a match based on the scenario that C2Reed listed. If you miscalculate your contributions, that's it.

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