Reapplication process?

Is anybody knowledgeable with regard to reapplication processes at various b-schools?

Let me throw this situation out there for a point of reference: Say I apply to five schools that run the spectrum of reputation/tier and get in to the lower three. If I determine that I would like to hold off on matriculation for a year to take another shot at the top schools, what is typically required of me by those schools that dinged me the first time? Do I have to do the entire application (re-write essays, re-submit transcripts, pay another app fee) a second time or is there a "supplemental" application? Also, what if I want to retain my status as an accepted applicant with the lower three schools? For those schools, do I only have to submit a new app fee and a statement or do I have to go through the whole process again with no guarantee of acceptance?

Look at me - I haven't even really started essays and I'm already working on contingency plans