Employee contributions to 401(k) plans are done on an annual basis. There is no period after the end of the year to complete contributions. So unlike IRA contributions that can be made up to the filing deadline of the return, or SEP contributions by a self-employed individual up to the extended due date of the return, salary reduction contributions to a 401(k) plan must be completed by the end of the year to which they relate.
Generally, an unmarried person who maintains a household for dependents and is allowed to compute his or her tax based on head of household rates, which are more favorable than single person rates.