The PM got his rating about 18 months ago. The PF only got his this past May. The PM had more overall hours, but this is looking a lot like a skills issue. He was flying an unstable approach. He wasn't configured for landing.

This pairing, considering past incidents with similar airframe vs. total hours disparity, really does look to be bad practice. You've got to acknowledge the human psychology. Part of it is probably the crazy pipeline over the past few years where people are racing to 1500 hours no matter how they log them, or they're getting on restricted certs with lower hours.

Having pilots fighting over the controls is not a situation anyone wants. The pilot monitoring saying go around should have caused an immediate reaction, the human factors behind why it didn't will probably feature prominently in the post-accident actions.