What you are seeing is rip-rap. Every year we budget a certain amount to purchase the rip-rap then our maintenance crew labor is used to get the rock into position. It is used to replace the rock that is thrown into the lake by individuals or pulled in by ice action. Expensive, but we must maintain our shoreline and dam. If you see someone throwing in sizable rocks be sure to remind them the cost of replacement is coming out of your dues.
Ken