Worker fits (CLFit, EDFit, SAFit, BFFit, CCFit) each have
their own slot layouts. This helper adds missing slots (loss_ata_fit,
premium_ata_fit, premium_fit, ed, factor, selected,
usage, ci_type, conf_level, bootstrap) as NULL if absent,
ensures $full carries the dispatcher-uniform columns
(premium_obs, premium_proj, incr_premium_proj, loss_ci_lo,
loss_ci_hi, loss_total_cv), and assigns class "LossFit".
For "cl", this synthesizes the premium columns by running an
fit_premium() internally when none are present.
