NTSB Probable Cause

THE PILOT-IN-COMMAND'S FAILURE TO PERFORM A MISSED APPROACH, HIS DESCENDING BELOW THE MINIMUM DESCENT ALTITUDE, AND HIS FAILURE TO MAINTAIN PROPER ALTITUDE TO AVOID IMPACT WITH THE TERRAIN. CONTRIBUTING TO THE ACCIDENT WAS THE PILOT-IN-COMMAND'S LACK OF TOTAL INSTRUMENT TIME, HIS LACK OF RECENT TOTAL EXPERIENCE, AND HIS LACK OF RECENT EXPERIENCE IN THIS TYPE OF OPERATION.