Overweight, out of envelope, stall in to the cloud (IMC). Broke up midair. Low time pilot, 215 total time.
Unfortunately, jump operations sometimes push things, and attract inexperienced pilots to do them. The pilots want the flying, so they do what they perhaps shouldn't. In my opinion, jump flying should be a endorsement on a pilot's license. I was invited to fly jumpers in a 185 and 206 by a club who did not know my experience - I had many thousands more experience than they thought when they asked me to fly. I saw the overweight flying, and the causal approach to regulatory compliance. I tried to shift the culture, but could not prevail, so I stopped flying for them.
To those pilots eager to fly jumpers: (a) follow the rules you know, (b) look up the rules you don't know, then back to (a), and (c) get some good mentoring!