401(k) Roth Catch Up Contributions

Hello-

In review of the IRS guidance regarding Roth Catch Up provisions, plan administrators and payroll providers taking the deemed approach were provided two routes:

• Option 1: once pre-tax max ($24,500) is met, all contributions systematically converted to Roth.
• Option 2: once 402(g) limit ($24,500, but a combination of Roth and pre-tax) is met, all contributions converted to Roth and once the age 50 catch-up limit is reached ($8,000 or $11,250 for those age 60-63), any additional contributions revert to pre-tax.

In review of Oracle's recent release to address the Roth Catch Up provisions, only Option 2 was accounted for. Can you please provide context as why Option 2 was chosen and if Oracle intends to accommodate