What is the most reasonable hypothesis for the increase in insects seen in year four?

what? I think you're missing some crucial information in this question.

sand 60

clay 10

silt 30

sandy loam should be dominated by the sand. as the amount of sand increased, the amount of slit needed to anchor the plants' roots to the sand will also be increased. even though the amount is very little, 10% part of clay is still necessary for proper oxidation.