Sorry to rain on the party Mr. Franklin but 225.30 need not apply here because there are not multiple buildings on the property. Not to mention even if it did he could still be covered under 225.30(B)(2) because this structure could be considered to be large enough to deem two supplies necessary. This is a very common practice in many larger residential homes where the homeowner requires an inner electrical/mechanical room. I have seen up to 6 individual feeders (all CU conductors) run under the slab and out to the pad mounted transformer--all protected by a single disconnect sufficient for the load. If you want to get down to it, this is much safer than having a meterbase on the side of your home, at least there is a central switching point for all parties involved(Utility company, Fire Dept, Etc.) that can simply be switched on and off. This is of course permitting your provider will CT a residential dwelling.
**As for the ground rods, in my experience as long as you are not anymore than 500 feet from the ground rod at your service, I would drive a new ground rod at the panels and bond them in this manner (it may be ugly if you didn't plan ahead, and any distance further than that could cause an impedance problem with your grounding system). I have never been a fan of the cold water pipe ground...sorry for those of you that love it. If you had used true Type SE cable you would have a bare ground along with 3 conductors in your cable. Good luck!