The tripartite agreement is only a statistic of the employment rate of the school, and it has little to do with you. What matters is what you said: five insurances and one gold. Shanghai seems to pay only four gold for urban hukou, and some units pay comprehensive insurance. If you have the ability to transfer your account to Shanghai, nothing will be left. Shanghai's residence permit still needs to be processed, so it is best to put the file accounts together. It will be more convenient to get married in the future, hehe, I hope it will help you!