What do you recommend for a pond that only has a problem when someone goes swimming? I imagine treating the whole pond won't help since the deeper water doesn't get stirred up?

I don't need the alum to treat the whole water column and settle anything on its way down to the bottom. I just need to treat the mud on the bottom which is why I thought dry broadcasting might work, but I don't want to waste money on something that won't help.

I have 5'+ visibility now (no algae bloom yet) so I don't have an everyday muddy issue like some have. Would lime or gypsum be better?