Reporting
You are planting to deeply
You are planting to deeply and mulching before your seeds germinate. As beans germinate they have to push the cotyledons (seed leaves) up through the soil. If the soil is too deep, too heavy, too dense, too packed, etc., the cotyledons can not push through. The natural fibers of any mulch will increase this problem. Sometimes the seedling will break their necks by not being able to emerge from the soil. Soil tests are always important, but generally the lack of a test will not prevent germination unless your soils are extremely out of range. Try planting your beans approximately 1 inch deep and wait until they are 5-6 inches tall before using any mulch. Good luck with your beans.