The inquiry doesn't seem to have picked up on an interesting detail. They make the obvious CRM point that the cross-cockpit gradient was steep, with the Captain on 13,487 hours and the F/O on 1,063. They don't say anything about the fact that there was also a steep cross-cockpit gradient in the other direction with regard to hours on-type - the F/O had 815 hours on the ATR-72, over 4 times as many as the Captain, who had 193 (and some more on the ATR-42 30 years earlier). The combination of a Captain with lots of experience in general, but not much on the specific aircraft, and an F/O with little experience in general but much more on the specific type, sounds about as bad as it could be.