I propose an experiment. Since I am not in the states right now (else I would do it myself) I will hope that someone will muster up.
Go to HD and get a copper ground stake, or any copper pipe. Also, pick up some AWG12 insulated wire. You should already have a length of rope on the boat or dock.
1. Connect the copper wire to the copper ground stake/copper pipe.
2. Lay the pipe on the dock.
3. With a digital multimeter, measure the current between the pipe and the dock ground (any metal fitting on the dock electrical, even the ground plug). There should be zero volts AC measured.
4. Drop the pipe in the water a few feet (rope will hold it). Do the same measurement.
5. Drop the pipe to the bottom. Do the same measurement.
6a. Only if you are brave enough, hold the bare wire from the pipe in one hand and the meters probe in the other hand (with the other probe to the ground point on the dock electrical outlet) and measure the voltage flowing through your body.
6b. OR... hold one probe and put you feet in the water.
If you get any voltage readings then you have what is called a ground loop. This means that electric current is flowing in the water. How much is determined by your readings. There should be zero volts AC, or very little. If you want to measure the current (amps) you will need a current meter or clamp meter.
So, if someone does this, post the results. Should be interesting.