Augie,
Thanks for the link and additional discussion.
Prior to your input, I had never even heard of beneficial nematode treatments! (I think I will try some in the future when the fruit trees start bearing.)
For now, I will try the Triazicide granules on a few trees and monitor the results.
(I had previously commented about NOT wanting to use an insecticide, but I am very "pro" chemicals. However, most of my work at the farm is just above the 100-year floodplain, so I am very careful to keep the creek as clean as possible.)
I never dig right at the base of the new trees so as not to cut any roots. Of course, that means I never encounter any grubs or cutworms, so I didn't think I had an insect problem. You accurately predicting June Bugs from a state away is pretty convincing evidence that I do have some insect problems! The armadillos further confirm your analysis.
