Which is less likely to cause termites pea gravel or mulch?

Both provide a favorable habitat for termites; controlled temperature and moisture retention. I'm not sure which mulch is "less" likely to attract termites. Based on research I've performed on the internet, some say that pea gravel or rock mulch maintains moisture in the soil better than wood mulch, and thus is more attractive to termites.

Wood much is better for plants because it eventually breaks down and provides nutrients.

If you use pea gravel as a mulch, you need to make sure to choose plants that can handle the added heat because pea gravel will retain heat more than wood mulch.

I'm not an expert. I've picked up this info by researching the internet.