JROB

I have a plan with a 3% non elective Safe Harbor. TPA is saying that it is permissible for the sponsor to deposit the 3% on a payroll by payroll basis - something i haven't seen and something that is not notated in the document. TPA is also saying that since it is funded payroll by payroll there is no "true-up". Usually, 3% non electives are contributed at end of year. What am I missing and has anyone else experienced this?

Participant elected 10% pre-tax for all of 23'. Issue with payroll caused this person to defer 10% Roth instead. Correcting this sounds messy (new w-2, moving buckets of money, etc.) My idea is to tell the sponsor to shore them up via payroll with the extra taxes they had to pay. They then get tax free growth for essentially "free". What else am I missing besides the fact that they couldn't defer paying taxes until later in life?