aireadylife-benefits-task-update-open-loopslisted

## What It Does The benefits open-loops file is the single source of truth for what needs your attention in the benefits domain. Every benefits op writes its flags here. The morning brief system reads this file. Without active maintenance, it fills with resolved items that clutter the view and cause the user to stop trusting it. This task keeps it current, clean, and prioritized. **Flag types this task manages:** - `ENROLLMENT` — open enrollment deadline with checklist (urgency escalates as deadline approaches) - `401K-MATCH-GAP` — employee contribution rate below match threshold, forfeiting free money - `401K-LIMIT-PACE` — contribution pace insufficient to reach IRS limit by year-end - `401K-REBALANCE` — fund allocation drift > 5 percentage points in any fund - `HSA-CONTRIBUTION` — HSA contribution pace below IRS limit trajectory - `HSA-INVESTMENT` — cash balance above investment threshold, idle funds should be moved to investment sleeve - `HSA-REIMBURSEMENTS` — pending qualified expenses with saved receipts, not yet submitted for reimbursement - `COVERAGE-GAP` — life insurance below 10x income, disability below 60% replacement, or other coverage adequacy issue - `COVERAGE-ADMIN` — administrative discrepancy between elected benefit and payroll deduction - `FSA-DEADLINE` — FSA use-by deadline approaching (typically March 15 or December 31) - `ESPP-WINDOW` — ESPP purchase date approaching within 30 days - `RSU-VEST` — RSU vest date approaching; withholding adequacy check ma