Are you perhaps thinking of power factor issues? Otherwise, unless my mental trigonometry is failing me (which it may well be!), if the currents are all at 120° (all will be the case if all PFs are 1), it shouldn't be possible for the neutral current to be greater than the highest current in any of the phase conductors. The worst case of 'phase imbalance' arises when only one phase is loaded, in which case the neutral current will obviously be equal to the current in that one loaded phase conductor.That is not strictly true.the total neutral current can never be higher than that in one of the phase ones!
Kind Regards, John
That WAS all true in the 'good old days' when the majority of the loads were resistive. In these days of non-linear loads (ie. anything based on a switch mode type front end) the presence of third order harmonics in the current waveform (which ADD in the neutral & don't cancel) mean its very possible that the neutral current can greatly exceed the highest phase current. Have a google for 'triplen harmonics' and the now realised need for INCREASED cross sectional neutrals of three phase circuits instead of the 'older' wisdom that the neutral could be reduced cross-section.