I really have to hand it to Norcal for finding these two violations.
(To understand where the problems some into the picture, the panel is decades old - it has not been made for that long - while the building is only three years old.)
First, a view of the panel:
A closer look at the label reveals long abandoned artwork:
Finally, a look at the breakers suggests our violations:
What are the violations?
The panel is fed by 'back feeding' a breaker. While in itself not a bad thing, since 1990 the NEC has required retaining clips for these breakers. (408.36(F)). This panel pre-dates the requirement, and such clips were never made for it.
The other violation is suggested by the filler plate on the third space. This pattern -maintained through the panel - suggests a 'delta' service, with the 'high leg' on the third phase. 408.3(E) requires that this high leg be the middle leg.
Utilities often supply such services with the 'high leg' in the third position, and the metering equipment requires it to be there. After the meter, though, we are required to re-locate that phase to the middle buss.