The disclosure generally describes the discovery of a train of Trichoderma gamsii (NRRL B-50520) that has multiple capabilities for various uses in plant agriculture and development of systems for its use. This patent application compares its abilities to enhance plant agriculture for a number of applications with a number of other microbial agents and that are contained within useful formulations. While other strains or mixtures have abilities to confer one trait or another, this strain appears to be uniquely versatile in its capabilities. It can be used in conventional or organic agriculture for the promotion of plant growth and increase in crop yields when applied topically as a foliar spray or as a seed coating. The highly active products also are expected to increase plant productivity and improve quality of fruits, vegetables, flowers or other plant products.