RedactedNarrative: Victim was on the vessel along with the others and had stopped so that the victim could swim.  She jumped into the water for a swim while the lake was choppy due to the amount of boat traffic. After a few minutes the vessel operator could see that the victim was struggling with the waves. The operator jumped into the water with a PFD, swam to the victim and handed it to her and immediately began to struggle also with the choppy water, became scared and swam back to the boat.  The victim went under the water and did not resurface. No other injuries or damages were reported.