RedactedNarrative: Operator1 was operating vessel in channel on Lake Barkley during a severe wind storm when waves crashed over the bow of vessel. Operator1 turned on his bilge pump but was unable to pump water out faster than the waves were coming over. Vessel finally submerged and pontoon vessel was able to retrieve all 3 subjects and take them to shore. 2 adults were not wearing PFD at the time. 3 year old male was wearing PFD. Operator1 did not dial 911 or report accident. Rescue, EMS, and LE were on scene for 4 hours before Operator1 showed back up to shoreline. We pulled Operator1 vessel to a secluded section of bay out of way of other vessel traffic for him to retrieve next date.