Answering this needs to distinguish screening from monitoring. A screening panel looks for the unexpected; a monitoring panel tracks something you already have a reason to watch.
A twenty-analyte panel run on a healthy person will produce, on average, one out-of-range result purely from how reference intervals are constructed. That is arithmetic rather than pathology.
A sensible core for this population is a full blood count, renal function with electrolytes, liver enzymes with bilirubin, a fasting lipid panel with apolipoprotein B, HbA1c and thyroid-stimulating hormone.
External quality assurance schemes document between-laboratory differences on common analytes that routinely exceed the size of clinically interesting changes.
Same laboratory, same time, same fasting state, or the comparison is not a comparison.