Insulated grounded conductor

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Help: Hello fellow Sparkys.

I have a customer who has a mb panel feeding (2) different sub panels. One of them has 3 wire (one of which is un-insulated and being used as the neutral with no groundng electrode at the panel. Will this meet code requirements in it's present condition and could you direct me to the appropriate code section?

The second panel has 3 insulated concuctors (A phase, B phase and neutral) and using a grd rod with # 10 wire. I know the #10 is too small and if it is changed to a #6 will this meet code requirements?

These panels have been installed at least 6 years.

Thanks
 
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