Help understand 3-phase generator load in amps in a mixed single and 3-phase grid

I have a 140 kVA, 440 V 3-phase 50 Hz generator running an aquaculture farm in Indonesia. There are 100 staff on site with the usual loads like freezers, light bulbs, TVs and water heaters etc.

Also there are a number of 3-phase pumps that run more or less continuously.

I am running well over 100 amps on all phases on a normal day. I thought this was very close to overloading the generator, but I then discovered that there is a difference in kVA calculation from amps depending on whether it is line-to-line or line-to-neutral. I would like to make sure I understand this distinction.

If I understand correctly, I can calculate the load in amps for the single-phase gear as "line-to-neutral" as follows:

I(A) = 1000 × S(kVA) / (3 × VL-N(V) )

And the 3-phase loads as line-to-line:

I(A) = 1000 × S(kVA) / (√3 × VL-L(V) )

The product of each can be added to give the total load, correct?

And the reason I am not overloading the genset is because although the amperage for line-to-neutral would be too much, I have line-to-line loads as well, correct?