Wanted to add my 2 cent.
You can increase the working distance to the max allowable number. That reduces the incident energy.
If you’re running the calc based on IEEE1584:2002, then apply the exception from 9.3.2 allowing to default everything fed by a xfmr smaller than 125kVA and less than 240V to 1.2cal.
In your case, I would look at the AF boundary. How many buckets would be affected in the worst case. And as the others stated, if it’s compartmentalized, I’d rate this panel with a higher incident energy only. It’s not even connect to the mcc bus bars but fed by a transformer.
Just imagine you have a service entry rated mcc with the main breaker in its own vertical section. The line side may be 68cal but the load side is 2cal. There is no way, I’d apply 68cal on each bucket. Why? If I short anything on the load side of the service disconnect, I’m exposed to 2cal only. I’d apply the 68cal label only on the section carrying the service disconnect.
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