Assuming the PIC was flying what was the F/O doing and what was happening in the flight deck? Hopefully the CVR might shed some light so that we can all learn.
It was suggested somewhere the F/O remembered the gear was still down and she pulled it up just before ditching. The CVR should confirm if this is true.
Would expect gear to be ripped off or the plane to pitchfork if gear was down at time of ditching.