Enterprise adoption of large language models in finance is constrained less by fluency than by trust: in Financial Planning and Analysis (FP&A) and other regulated workflows, an answer is usable only if it is traceable to authoritative sources and auditable after the fact. This paper argues that retrieval-augmented generation for enterprise finance should be evaluated on auditability alongside accuracy, and presents the Knowledge-Driven Analytics Framework (KDAF), which builds ontology-driven knowledge systems through six iterative stages and retrieves evidence via Context-Aware Relevance Propagation (CARP), so that every retrieved fact carries its relationship type, confidence, and source lineage. An evaluation on FinanceBench (145 questions) compares KDAF against zero-context inference, BM25, concept-weighted lexical retrieval, and ungrounded graph traversal. First, retrieval is necessary: zero-context inference reaches 4.1% correctness against 10-12% for retrieval-augmented conditions. Second, on answer correctness the retrieval conditions are statistically indistinguishable (KDAF vs BM25: -0.007, 95% CI [-0.021, 0.000]), so accuracy alone does not justify structured retrieval here -- a negative result we report explicitly. Third, on auditability the ordering reverses: KDAF attains the highest citation traceability F1 (0.515), exceeding ungrounded traversal by +0.027 (CI [0.006, 0.050]) and BM25 by +0.052 (CI [0.024, 0.083]), intervals excluding zero. Graph-structured retrieval also admits no evidence from outside the question subject entity (0 of 426 items, against 16.8% and 20.2% for lexical baselines), and every selected item resolves to a complete provenance chain. We argue that auditability, not accuracy, is the axis on which ontology-grounded retrieval earns its cost.
Researchers need to answer ad-hoc questions about the contents of domain-specific archives but often lack the expertise to write structured queries on the metadata. We show that when domain vocabulary and semantics are captured in a well-designed Web Ontology Language (OWL) ontology, Large Language Models (LLMs) can generate accurate structured queries zero-shot, without fine-tuning, retrieval augmentation, or multi-agent orchestration. We present the Natural Language Knowledge Graph Query (NLKGQ) system, a framework and development process that enables natural language access to metadata in such archives. The framework includes a web interface that helps researchers pose natural language questions, which a domain-agnostic harness translates to SPARQL via an LLM and executes against a knowledge graph. The development process begins with capturing domain vocabulary and semantics in a formal OWL ontology. Domain-specific code then extracts metadata from archive sources and imports it into a knowledge graph defined by the ontology. Both are designed for reuse across domains. We demonstrate the system on metadata derived from a large-scale neuroimaging research archive, evaluating multiple LLMs and ontology representations. The best configurations achieve 100% accuracy on a competence and regression question set developed with domain experts. An ablation study across eight ontology representations reveals that readable entity names and semantic annotations are the dominant factors in accuracy, more significant than model choice or prompt engineering. We also compare SPARQL to an auto-generated SQL database as query backends, showing that OWL's structural features provide a substantial advantage over SQL DDL for LLM-driven query generation. Our demonstration domain also requires local LLMs on modest institutional hardware to address privacy concerns for human subject data.