I need to give a price on a 400 amp, 3 phase 4 wire service, and I don't want to get burned by the derating issue. I was planning on running 4 500mcms in a 4" pvc pipe, the pipe will be about 100' long above a drop ceiling in a retail area. I know by having 4 current carrying conductors I need to derate, but I am not sure how to go about this, any help is appreciated.