Tommy Ruzzo is a disgraced NYPD cop who follows his coke fiend girlfriend back to her hometown in Florida. She leaves Ruzzo high and dry just before he's named Head of Security at Precious Acres, a beachfront retirement community populated by wisecracking New Yorkers. Ruzzo is stranded among the local losers until the day he discovers a murdered senior citizen on the Precious Acres bocce ball court.

The bodies pile up as Ruzzo uncovers a dangerous trail of clues that brings everybody in his new world under suspicion.