Semantically Similar, Yet Not Answerable: Diagnosing the Semantic-Answerability Gap in Table RAG

In retrieval-augmented generation (RAG), semantic relevance asks whether a source matches a query in meaning, while answerability asks whether it contains sufficient information to answer the query. A Semantic-Answerability Gap (SAG) may arise in retrieval when a retriever can reach semantically relevant sources yet fail to identify those that are uniquely answerable. We uncover this gap using tables as a controlled setting, where shared schemas and entities provide strong semantic signals while localized content and row-column bindings distinguish answerable from non-answerable sources. Using TCR-Bench, a controlled sibling-table benchmark, we find that dense retrievers achieve only 18.2% top-1 target retrieval, reducing QA F1 from 0.755 with the oracle table to 0.330 with retrieved top-5 tables. Controlled diagnostics show that retrievers favor semantic volume over sufficiency, respond weakly to row-column binding disruptions, and struggle to distinguish Targets from Siblings. Explicit answerability assessment substantially improves target identification, while fine-tuning shows that answerability is learnable but difficult to transfer without compromising broad semantic retrieval.