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How do you sign up for "Catch-up contributions only"? You can't make catch-up contributions until you have hit some applicable limit, either plan imposed or IRS imposed.

A deferral is a deferral is a deferral. Until you hit a limit: 402(g) ADP Test failure threshold for an HCE Plan-imposed deferral limit 415 Then, if the participant is 50 years or older at any time during the year, up to $6,000 (for 2016) can be considered "catch-up." Anything above those amounts, are treated as an excess pertaining to whatever limit they exceeded. By "system" do you mean a payroll program? Or is it the record keeper's software? Or the TPA's software?