Ryan's younger sister, Charlie, arrives in town for a visit, but who is unknowingly followed by some gangsters who claim she made off with their cash. The mob leader, Miles Harrington, then holds Ryan hostage as collateral.

Former Baywatch lifeguard Eddie Kramer arrives and appeals to Mitch to investigate a rescue that resulted in a death on the beach, for with he has been blamed. Meanwhile, Garner and Ryan go on a stakeout to watch an alleged thief.