Excellent ideas, Tink, and you found the correct solution for the "simplistic" old-fashioned version, reminding of La Fontaine et al. Congratulations!
Yes, I have also thought about the biological sides of these particular creatures (all of them represented by various "families", species and subspecies, all the more that they are from different "Phyla" - an annelid, an arthropod and an insect.
Even if the last idea is the most logical for nature, I am not sure if the rainworm can dig that deep, as the earth should not be too compact and there should be an intermediary layer of aerated earth under a flat, more or less impermeable riverbed to prevent worms from drowning - if remaining too long in some underground water table.
Oh, and there are rather solid, well swiming leaves too - lol.
By the way, do you think that the question of the missionaries is too offensive?