I don't do a lot of comm. electrical work. I have a 400 amp 3-phase disconnect that feeds (2) 200 amp main lug panel. The 400 amp disconnect is fused at 400 amp's. 3/0 copper is used. Is this code/legal? I am adding a 3-phase 100 amp panel off this disconnect to feed (2) roof top units (30 amp each). Load calcuations come out to under 300 amp on the disconnect. 1. Can I use a main lug 100 amp panel? Why?