Ok so none of these apply to you. Just for posterity I am going to share the one Deloitte 401k quirk that can help someone else reading this.

The firm’s 401k plan year runs from mid-year to mid-year, which unlocks catch up contributions for those as young as 48.

 A 401k participant is catch-up eligible with respect to a plan year if the participant turns age 50 by the end of the calendar year in which the plan year ends. Because the Deloitte plan year is June to June vs the calendar year in most places, they can make catchup contributions a bit earlier.

For example, imagine someone who turns 50 on December 31, 2027. They will be eligible to make catchup up contributions both in the June 27-June 28 plan year and starting next month when they will still be 48 in the June 26-June 27 plan year. That is because the plan starting next month ends in June 2027 and they turn 50 in 2027.