Match your plastics to the size of the baitfish you are seeing. If you are fishing for LMB or Whites, choose a simple color for the four outside swimmers, and a contrasting color on the middle. The weight of you heads/hooks will dictate what you throw it on. A steady retrieve is fine, but the occasional 'FLASH', or 'BURN' will sometimes trigger a strike. If you are looking for saltwater, buy a different Umbrella Rig designed for it.
Lately I like 3-4" ribbed swimmers like the Keitech; BPS Speed Swimmers; Kicker Fish Tail Slappers. I use these smaller ones on a 1/8 oz jig head. I have gone down to a light wire 1/16 just to make it a little more compact and easier to cast. A 4-5" on a 1/4 oz for the middle.
White, White Ice, Sexy Shad, or Threadfin Shad have been my colors of late.
2015 Skeeter FX 21
...and down goes PhotoBucket with the new Terms of Service... I predict they will be out of business or begging for forgiveness inside a month. 6/30/2017