Yup mold is normal starting out, you can turn some soil over on it if you’d like to get rid of it faster.
I don’t like earthworms in bioactive enclosures. In nature they aerate, help breakdown nutrients, etc. But in enclosures they compact the soil over time, reducing oxygen, killing aerobic/helping anaerobic bacteria, eating micro fauna, and consume a lot of the nutrients fairly fast. This makes it hard on plants in the long run, eventually it can make a muddy/smelly mess. Some species aren’t as voracious as others though and with a large system you may not see issues, some people might add a predator that would keep worms in control.
A good example of the damage worms can do is seen with the invasive Asian worms we have in parts of the US now where they outcompete the natives. They consume the leaf litter very quickly and disrupt the ecosystem.