Maybe I explained it wrong. but whatever way there is very little information about this unless you want to go into it at high level and start using the complicated formulas.
When I wrote what I did .. umm about 2006/2007? - there was zilch information out there.. and I had to get practically everything from text books and a basic understanding of algorithms from when I did a disseration in data compression (some similarish theories) and scraps of information here and there.
The whole aim of the site was originally to put information out that at a level that could be understand without a degree in the subject... (there wasnt even a wiki back in those early days).
It took quite a while to find out what information I could and even now theres some parts that arent explained and you will quite often see a few of the techies on this forum theorising about how it slots together if a new bit of information comes to light.
I really dont know how to explain it any further.. so Im not going to bull you, because I dont understand it all myself but its not separate frequencies*.. the overheads are carried separate from 'normal data'. The interleaver is a seperate module which happens before DMT modulation and its to do with the symbol size and bytes in the DMT frame that causes the reduction. The bitloading in each channel remains the same (max 15 bits).
I dont know how or why its such a big overhead, but if you want to dig any deeper then perhaps look into Out of Band signalling, because you will find that adsl uses OOB for FEC overhead and its partially because adsl uses OOB that maximum sync speed is reduced. Also look into bytes in the DMT frame.
Its a payoff between useful data throughput and reach - ie which frequencies can be used for transmission of useful data.
Unfortunately Im not in a position to be doing any research atm due to mostly using a mobile device.. and it could be towards the end of next week before I even get chance to start digging.
If you do find anything interesting that is capable of explaining it in a dumbed down way, then please do let me know.