Not necessarily. You have to amp clamp each leg and see what amperage is being used. Just because you have a tankless water heater on a 20amp breaker, doesn't mean its drawing 20amps of electricity. Its more accurately pulling around 2amps. So when you amp clamp each feeder, depending on the loads, you'll most likely get something random like 21amps on black, 17 amps on red, and 27 amps on blue. Most panels should have pretty evenly loaded phases, and if they don't then you should think about moving some things around to even out the loads.
Also, if you have a 100amp 3 phase panel...that means that the panel is rated for 100amps TOTAL, over all 3 phases. If you were drawing 300amps on a 100amp panel, you'd have huge and dangerous problems lol. The wire for a 100amp panel would be way too small to maintain 300amps for continuous use. You can't just add up the breaker sizes and say that is what is being used, because that's never going to be the case.
Does this all make sense?