Main disconnect

Inspected a 200 amp Square D panel, 1998 vintage. If not mistaken, the four breakers for the main disconnect should have a handle tie installed? Correct?

Seems odd, I would guess that they’re mechanically connected internally.

Yes, this panel comes with the quad-breaker and handle tie installed. Somebody removed it.

Here’s what it should look like…

This is a GE, but Square D is similar.

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The 200A panels I see around here only have 2 breakers. Why are there 4 here?

They use 4-100 amp frames (two each in parallel) to get you the 200 amps.