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Plot Summary


Larry Wilson, played by Andrew McCarthy, and Richard Parker, portrayed by Jonathan Silverman, are low-ranking employees at an insurance firm in New York City. During their routine examination of actuarial reports, Richard stumbles upon discrepancies in payment records. When they present their findings to their CEO, Bernie Lomax (Terry Kiser), they are praised for uncovering insurance fraud and invited to spend a weekend at his luxurious beach house in the Hamptons. However, what they don’t realize is that Bernie is the mastermind behind the fraud.

In a desperate move, Bernie conspires with a group of mobsters to eliminate Larry and Richard, intending to stage their deaths as a murder-suicide. But things take a twisted turn when the gangsters decide that Bernie himself should be the one to go, believing he’s become a liability due to his reckless behavior.

Prior to Larry and Richard’s arrival, Bernie calls the hitman Paulie (Don Calfa) to orchestrate his own murder while framing the two unwitting employees. Unbeknownst to him, their conversation is being recorded, and he plants cash along with a faux confession to implicate Larry and Richard further. When the two friends finally arrive, they’re horrified to find Bernie’s lifeless body. Before they can alert the authorities, the usual party guests flock in, oblivious to the grim reality, as they become engrossed in festivities while Bernie’s sunglasses hide the tragic truth.

Overwhelmed by the prospect of being implicated in the crime, Larry suggests to Richard that they pretend Bernie is still alive, a notion Richard initially dismisses as ludicrous. However, he is persuaded to comply when his office crush, Gwen Saunders (Catherine Mary Stewart), makes an appearance. The night takes a romantic turn as Richard and Gwen enjoy a stroll on the beach, but their moment is interrupted when Bernie’s body washes ashore, leading Richard to seek Larry’s assistance in retrieving the corpse without raising suspicion.

Meanwhile, Vito’s girlfriend Tina arrives, ready to confront Bernie over suspected infidelities, unknowingly brandishing a knife at Larry and Richard. In a chaotic turn of events, one of Vito’s gang members misinterprets the situation, thinking Bernie is alive and informs Vito, who instructs Paulie to finish the job.

The next day brings more complications as Richard finds Larry humorously animating Bernie’s corpse. Amidst their bickering about the police, they inadvertently trigger a message revealing Bernie’s lethal plot against them, further escalating their fears of being the targets of a mob hit. Desperately, they decide to utilize Bernie’s corpse for their defense.

As they try to escape the island on various means, including a speedboat, mishaps plague their efforts, including being unable to board the ferry and running out of gas. In a state of bewilderment, Paulie spots them and becomes increasingly convinced of Bernie’s supposed resilience.

Upon returning to the beach house, Gwen interrogates the duo, eventually uncovering the shocking truth about Bernie. Just then, Paulie appears and, in a fit of rage, shoots at Bernie’s body. However, failing to harm Larry, Richard, and Gwen due to his empty gun, he pursues them frantically. In a stroke of luck, Larry manages to subdue Paulie, and Richard and Gwen call for help.

By the time the police arrive to arrest Paulie for murder, he remains adamant that Bernie is still alive. The film closes with a bizarre twist: as Bernie is loaded onto an ambulance, his gurney rolls away, leading him to tumble onto the beach, just in time for a young boy to start playing in the sand around him, leaving Larry, Richard, and Gwen to flee the scene.

Timeline


Discovery of Fraud

Larry Wilson and Richard Parker, two low-ranking employees at an insurance firm in New York City, discover discrepancies in payment records during their routine examination of actuarial reports. Their find uncovers an significant insurance fraud that shocks their company.

New York City

Praise from CEO

After presenting their findings to their CEO, Bernie Lomax, Larry and Richard are praised for their diligence. As a reward for their hard work, they receive an invitation to spend a weekend at Bernie's luxurious beach house in the Hamptons, unaware of his sinister intentions.

Bernie's Beach House, Hamptons

Bernie's Murder Plot

Unbeknownst to Larry and Richard, Bernie conspires with mobsters to plan their murders to cover up his fraud. They intend to stage it as a murder-suicide, seeing Larry and Richard as liabilities due to their discoveries.

Hitman Arrives

Prior to Larry and Richard's arrival, Bernie contacts hitman Paulie to orchestrate his murder. He plans to frame Larry and Richard by leaving cash and a confession of guilt at the crime scene, unaware that his conversation is being recorded.

Arrival at the Beach House

When Larry and Richard arrive at the beach house, they are greeted by the shocking sight of Bernie's dead body. Before they can react, party guests arrive, blissfully oblivious to the grim reality hiding behind Bernie’s sunglasses.

Bernie's Beach House, Hamptons

The Plan to Pretend

In a state of panic, Larry suggests to Richard that they pretend Bernie is still alive. Initially resistant to the idea, Richard changes his mind when his office crush, Gwen, arrives, providing motivation to keep up the charade.

Bernie's Beach House, Hamptons

Romantic Interlude

While pretending Bernie is alive, Richard shares a romantic moment with Gwen on the beach. Their evening takes a turn for the worse when Bernie’s body unexpectedly washes ashore, leading to a frantic effort to retrieve it without attracting attention.

Beach, Hamptons

Complications Arise

Tina, a girlfriend of one of the mobsters, arrives at the beach house, ready to confront Bernie. Chaos ensues when her entrance and mistaken assumptions lead to misinformation being conveyed back to the gangsters about Bernie being alive.

Bernie's Beach House, Hamptons

Body Animation

The next morning, Richard finds Larry humorously animating Bernie's corpse in an attempt to relieve tension. Their bickering accidentally uncovers Bernie's plot to have them killed, raising their paranoia about becoming targets.

Bernie's Beach House, Hamptons

Escape Attempts

Larry and Richard make desperate attempts to escape the island on various means, including a speedboat. Each attempt results in hilarious mishaps, including running out of gas and being stopped from boarding the ferry.

Hamptons

Confrontation with Paulie

Back at the beach house, Gwen confronts Larry and Richard, forcing them to reveal the shocking truth about Bernie. Just then, Paulie arrives, fueled by rage, but ultimately misfires when he tries to shoot Bernie’s corpse.

Bernie's Beach House, Hamptons

Paulie's Downfall

In a turn of events, Larry subdues Paulie, allowing Richard and Gwen to call for help. The police arrive, only to find Paulie insisting that Bernie is still alive, adding to the absurdity of the situation.

Bernie's Beach House, Hamptons

Final Twist

As Bernie’s body is loaded onto an ambulance, a young boy begins to play in the sand around him after the gurney rolls away. This bizarre twist leaves Larry, Richard, and Gwen to flee the scene, uncertain of their future.

Beach, Hamptons

Characters


Larry Wilson

Larry is an optimistic and somewhat naive character who often finds himself caught up in absurd situations. His quirky and resourceful nature drives much of the film's comedic elements as he attempts to keep Bernie’s charade alive. Despite the chaos, he shows a loyalty to his friend Richard.

🙈 Naive 😂 Comedic Protagonist 🤝 Loyal

Richard Parker

Richard is characterized as a more rational but easily swayed individual who becomes increasingly enamored with Gwen, adding a romantic subplot to the chaos. His initial reluctance gives way to participation in Larry’s plans, showcasing his blend of practicality and romantic naivety.

💔 Romantic 🤔 Rational 🤷‍♂️ Reluctant Hero

Setting


Time period

The film appears to be set in contemporary times during the 1980s or early 1990s, aligning with its comedic and crime themes. This period was marked by a growing fascination with wealth and the darker side of corporate America, foregrounding issues like fraud and deception that drive the plot.

Location

New York City, Hamptons

The film unfolds in New York City, known for its bustling metropolitan life and as a hub of finance, where Larry and Richard work at an insurance firm. Their adventure takes them to the luxurious beaches of the Hamptons, renowned for its upscale summer resorts and vibrant social scene, providing a stark contrast to their mundane office lives.

🏙️ City 🏖️ Beach

Themes


💼

Corporate Deception

The theme of corporate deception plays a central role in the movie, showcasing how Larry and Richard stumble upon fraudulent activity orchestrated by their boss. This theme highlights the moral dilemmas faced by the characters as they navigate a dangerous web of lies and deceit that puts their lives at risk.

⚰️

Death and Absurdity

The film also delves into the absurdity surrounding death, as Larry and Richard concoct a plan to pretend Bernie is alive, leading to a series of comedic yet dark situations. This theme reflects how the characters confront the macabre in a humorous light, emphasizing the thin line between life and death.

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