SPARKYNSJ , what makes you think it is too much current thru the neutral? The neutral current of the panel is the vector sum of the two-phase currents and I won't discount any value you measured in the neutral line.
Let's say, of the VA at an angle 0 deg, VB at angle 120 deg and VC at angle -120 deg from a Y transformer, phases VA and VC are connected to the panel in question. Let's say phase A load is pure resistive such that phase A current is IA at angle 0 and phase C load is pure inductive such that the phase C current is IC at angle ?30 deg. Adding IA at angle 0 and IC at angle ?30 will result a substantial amount current flowing thru the panel neutral wire.
Let's say, of the VA at an angle 0 deg, VB at angle 120 deg and VC at angle -120 deg from a Y transformer, phases VA and VC are connected to the panel in question. Let's say phase A load is pure resistive such that phase A current is IA at angle 0 and phase C load is pure inductive such that the phase C current is IC at angle ?30 deg. Adding IA at angle 0 and IC at angle ?30 will result a substantial amount current flowing thru the panel neutral wire.