Anything less than 100% or more than completely discharged will always be within a few milli volts, there is something seriously wrong that a balancer won't fix if this is not the case. The out of balance occurs most often in a house battery type system when the cells are very close to fully charged. That is not always the same as the battery monitor reading 100% SOC, there is a reason for this but far to detailed to go into here. Even a cell reading of 3.45v might not mean the cell is fully charged. but at least it is close to it, memory charging effect is the reason for this problem and even more complicated to explain here so I won't even try

A cell is truly fully charged when it will not accept any further current without the voltage rising rapidly and continuing to climb at roughly the same rate. With this as a base, the first cell to reach this point will then see a rapid voltage increase yet the cells that have not reached this point will still be accepting all the current they can get without increasing their voltage..... this is what we refer to as a cell run away. Unless the balancer device can move the amount of current the whole battery is receiving via the charger (solar, mains or DC to DC) from this already full cell to the other cells the full cell will suffer a voltage run away, if there is no other device in place to monitor this cell voltage run away and stop the charging before that cell's voltage exceeds the safe boundaries that cell will be irreparably damaged. The level of damage depends how long it is held at an unsafe voltage, just how high that voltage reaches and just how much current is involved.... and how many times it happens. It does not result in instantaneous destruction of the cell, that requires a lot of abuse, but it does result in death by a thousand cuts and each cut won't heal.
The practice of lowering the battery end of charge voltage on the premise it will stop a cell reaching the run away voltage point only results in delaying the inevitable and introducing a greater level of memory charging effect resulting in a gradual reduction in stored capacity. This can be recovered, but again, not something I'll go into here.
T1 Terry