Occupant 4 was in the process of pulling up the anchor for Vessel 1 when a wave came over the side of Vessel 1, swamping Vessel 1 and sinking it all the way to the bottom of the lake.  None of the Occupants aboard Vessel 1 were able to don their personal flotation devices prior to the sinking of Vessel 1, but were assisted by another boater in the area.  

Operator Inexperience is listed as a Contributing factor in this incident based on the fact that this Operator had limited experience with this particular vessel (although he had significant self-reported boating experience in the overall sense).
Lorain                        