What passive BMS are you using/referencing? Serious question. Since... every passive BMS that I have ever looked at or used has individual cell discharge circuit that the respective mosfet will connect to the cell's respective resistor (bank) to do the discharge. 16 cells = 16 individual resistor banks. Each bank could be 1 or more resistors in parallel.That is only true if only one cell is high and rest 15 are 1% lower. Then passive balancer burns that one cell down in about 10h. But OP has at least one cell substantially lower than 15 others. Your example with one cell 1% lower than others would mean that actually passive balancer needs to burn that 1Ah times 15. So balancing time is ~150 hours...
With active balancer things change as it transfers energy from the highest to lowest so deltaV comes down quite fast.
If there were such BMS's discharging let's say 100mAh @ 3.40-3.65V, that's < 0.4W total for the whole pack, which would be an even more extremely poor design into ~900Wh/cell. I would most definitely stay away from those, if there are such BMSs!
Show me a bms and I will show you where those resistors are .
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