This is based on my understanding from several pilots who have weighted in.

The cockpit voice recorder transcript has the copilot repeatedly saying "we're coming in too fast" but the pilot never clearly acknolwedges.

The copilot ought to have been more assertive and said "We need to go around. NOW."

The pilot shouldn't have needed that. He should have made the call himself, but even if he was unsure, once his copilot called that he should have done the right thing.

Neither of them will ever fly again. The only question now is if either of them will go to prison. There's already a civil wrongful death lawsuit against them.