They'll obviously do a full autopsy on all three...including a toxicology report.
Coupled with the fact that one cannot see well at 3 AM, unless one is a cat.
Looks like they hit a jetty, not a dock.
They missed the inlet and hit the rocks.
Equip was working too well.
Blasting into the inlet in the dark is not a smart move
If I had to guess, I’d bet the boat was on auto pilot. One of the biggest things to watch for are idiot power boaters who turn on the auto pilot and then go below deck “for just a few seconds”. If you set your auto pilot and GPS to return to your slip in the marina (without using waypoints to set a path) the auto pilot will take the boat in a straight line to your destination. If there happens to be a big rock in the way, the auto pilot does not care.