docs(03-05): complete gap closure plan — router wiring and field name fixes

- Add 03-05-SUMMARY.md
- Update STATE.md: advance metrics, record decision, update session
- Update ROADMAP.md: Phase 3 now shows 5/5 plans complete

.planning/STATE.md

@@ -2,15 +2,15 @@
 gsd_state_version: 1.0
 milestone: v1.0
 milestone_name: milestone
-status: executing
-stopped_at: Completed 03-04-PLAN.md — all Phase 3 plans complete
-last_updated: "2026-03-24T03:51:36.949Z"
+status: completed
+stopped_at: Completed 03-05-PLAN.md — gap closure complete, all Phase 3 wiring fixed
+last_updated: "2026-03-24T06:55:26.781Z"
 last_activity: 2026-03-23 — Completed 03-02 onboarding wizard, Slack OAuth, BYO API keys
 progress:
   total_phases: 3
   completed_phases: 3
-  total_plans: 14
-  completed_plans: 14
+  total_plans: 15
+  completed_plans: 15
   percent: 100
 ---
 
@@ -66,6 +66,7 @@ Progress: [██████████] 100%
 | Phase 03-operator-experience P02 | ~35min | 2 tasks | 10 files |
 | Phase 03-operator-experience P03 | 8min | 2 tasks | 6 files |
 | Phase 03-operator-experience P04 | 10min | 2 tasks | 8 files |
+| Phase 03-operator-experience P05 | 2min | 2 tasks | 6 files |
 
 ## Accumulated Context
 
@@ -134,6 +135,7 @@ Recent decisions affecting current work:
 - [Phase 03-operator-experience]: recharts installed with --force due to npm ENOTEMPTY race bug — was in package.json but not node_modules
 - [Phase 03-operator-experience]: Usage nav links to /usage tenant picker (not hardcoded tenantId) — supports multi-tenant operators
 - [Phase 03-operator-experience]: BudgetAlertBadge renders neutral 'No limit set' for null budget_limit_usd — prevents false alarms
+- [Phase 03-operator-experience]: All Phase 3 portal routers (portal, billing, channels, llm_keys, usage, webhook) mounted directly on gateway FastAPI app
 
 ### Pending Todos
 
@@ -145,6 +147,6 @@ None — all phases complete.
 
 ## Session Continuity
 
-Last session: 2026-03-24T03:51:27.331Z
-Stopped at: Completed 03-04-PLAN.md — all Phase 3 plans complete
+Last session: 2026-03-24T06:55:26.778Z
+Stopped at: Completed 03-05-PLAN.md — gap closure complete, all Phase 3 wiring fixed
 Resume file: None