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The most important thing to put under a rock garden is the appropriate soil. The specific soil needed will depend on the type of plants you’re growing as well as the environment you live in. You can also put non-woven or woven fabric under the rocks to add to the garden's structural stability.

Grass is the most popular and safest option for planting over a septic drain field, but you can also plant small flowering plants and other lightweight plants that don’t have woody or deep roots. Avoid trees and bushes within 10 feet of the field, as the woody roots can crack the perforated pipes. You should also avoid planting vegetable or fruit gardens over your drain field, as a leak from the pipes could contaminate the soil and put anyone who eats the produce at risk.

The soil around your foundation should slope down and away from your home, not toward it. If the grading drops the farther you are from your home, you can enhance the slope by removing more soil. Mark off a few feet from your house and dig up some of this soil. Regrading around your fountain should encourage water to flow away from your home and not collect or “pond.”

If shade is a priority for you, then panting elm trees is a fine choice. A full mature elm tree has enough aesthetic appeal for some folks that it could add value to your home. 

That said, never plant elm trees too close to your home, sewer line, or sidewalks, as their roots can damage these, which can lead to costly repairs.