back-loaded or backloaded; back-loading or backloading; back-loads or backloads
: to assign (costs or benefits) to the late stages of something (such as a contract, project, or time period)
… in recent years, most carriers have "back-loaded" their expense charges. That means they sock you with expenses when you drop your policy …Consumer Reports, August 1993
But the tax cut is backloaded, meaning that they won't reap most of the benefits for years. James Surowiecki, New Yorker, 23 Apr. 2001