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The match limit on a SIMPLE is 3% of pay. So if you make $6,500 the employer contribution would then be $195.
Now, don't forget, that if you make $6,500, you won't be ble to defer the full amount. You will still have to pay FICA tax and Medicare and LT disability tax. Whats left after that is 100% eligible to go into the SIMPLE.
I'm not sure if you can just send in a lump sum. My guess would be that there needs to be some record of each source of contribution. Employee & Employer.
I would call Vanguard and ask how they handle that

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