He's my full interpretation of the crash and causes
Pilot error. Misjudgment of altitude based on the lack of an ILS (NOTAM-Ed unserviceable), PAPI (NOTAM-Ed OTS UFN), the lack of use of radar altimeter by the PNF, lack of reference to the radar altimeter by PF, lack of adherence to published speeds (Vref, Vapp).
Synopsis: the PF did not use all available resources on approach to runway 28L. The PF put the airplane in a state of instability too low and slow to continue the approach. By the time the PF realized his mistakes, he was too far behind the power curve and too low to the ground to make the proper adjustments. The aircraft struck the seawall tail first, impacting the ground with such a force as to sever all hear struts. The aircraft was unable to maintain directional control, and spun 360 degrees before coming to rest on the left side of runway 28L.
and here's a few links, the first link containing the ATC recording is the best