In WRC or lifting lug analysis, you should only specify the load on one lug. Did you check it?
If you use insert plate it should long enough to cover the area of high stress, like a width of 1.65*(R*t)^.5 (from either WRC-368/297). Then have a taper to reduce stress concentration.
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Best Regards,
Mandeep Singh
CADWorx & Analysis Solutions
Hexagon PPM