aireadylife-benefits-flow-build-coverage-summarylisted

## What It Does Called by `aireadylife-benefits-op-enrollment-review`, `aireadylife-benefits-op-coverage-review`, and `aireadylife-benefits-op-review-brief` to produce the core benefits coverage table. This is the inventory and status layer — it compiles what coverage exists and where you stand on utilization of each limit. The calling ops use this table for enrollment comparisons, gap analysis, and monthly briefing. **Medical coverage:** Reads the active medical plan from `vault/benefits/00_current/` — extracts plan name, plan type (HMO / PPO / HDHP / EPO), calendar year deductible (individual and family amounts), out-of-pocket maximum (individual and family), coinsurance rate after deductible, and monthly employee premium. Pulls YTD deductible spend and YTD OOP spend from claim records in `vault/benefits/00_current/` (EOBs filed during the plan year). Calculates remaining deductible and remaining OOP max for the plan year. **Dental and vision:** Reads plan names and key limits — dental annual maximum, orthodontia lifetime maximum if applicable, vision exam allowance and frame/lens allowance. Pulls any YTD dental benefit usage from EOBs. **401k:** Reads employer match rate, YTD employee contribution, YTD employer match contribution from most recent 401k data in `vault/benefits/00_current/`. Calculates YTD employer match as a percentage of the available match (match capture rate). **HSA:** Reads current HSA balance (cash + invested), YTD contributions, and IRS limit for