I will definitely give all that a try.  I think tonight's mission is to try to get the worm out first.  I'll have a go at the suggested reading too, depending on how successful I am with the worm tonight 

  By "freshwater" you just mean something that's not the saltwater mix right? so like tap water or something ... 
So it may be a possibility that when the clowns were hiding/sleeping in the rocks, the worm got to them?
Actually the dead zebra hermit crab .. it were pieces of its legs that I recognized on the sand (out of it's shell).  The pieces are gone now so something must have eaten it.
Thanks again for all the suggestions!