Mack announces it's time for the annual "Capture the Flag" competition at Camp Little Otter and nobody is safe! Mack's ex-husband Steve arrives unexpectedly t camp looking for a place to crash after a fight with his girlfriend. Mack reluctantly agrees to let him stay and participate in the competition. Sarah and Cole tackle the game with ferocity and are determined to beat the others. Kip chafes at Marina's flirtations with another camper but is surprised to find he has attracted the attention of fellow CIT and "mean girl", Chloe, who takes Kip prisoner during the competition. Meanwhile, Robbie comes to his mother's aid when her gambling gets her into trouble once again.
Off the grid and miles from civilization, Little Otter Family Camp has summer fun for everyone.
Mackenzie Granger is the camp owner and director. Still reeling from her recent divorce, Mackenzie is ready for a fresh start. She is running things on her own for the first time and scrambling to keep the cash-strapped Little Otter from going under. She considers a buyout offer from Roger Shepard, the arrogant but sexy owner of the upscale camp across the lake.
Despite her better judgment, their love-hate relationship quickly escalates. Meanwhile, she begins to realize that her charming but much younger handyman, Cole, might be interested in more than just a professional relationship.
In the midst of all this, Mackenzie is struggling to be a single parent to her brash and exuberant oddball of a son, Buzz, who is a counselor-in-training at Little Otter this year.