Yes you can .... but only the Host can save the game.
Concerning reloading a saved game,  I take it you mean reloading a saved game that is currently in process. In this case, I would imagine the game would try to throw everyone back into the lobby for the reload, but then, I really don't know since I've never tried it before, but I would bet dollars-to-doughnuts that the reload would probably kick the other players (nonhost) completely out... Has anyone tried doing this before? 
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"One day if I do go to heaven, I'm going to do what every San Franciscan does who goes to heaven - I'll look around and say, 'It ain't bad, but it ain't San Francisco.'" - Herb Caen, 1996
"If God, as they say, is homophobic, I wouldn't worship that God." - Archbishop Desmond Tutu
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