Prior year averages are only used until you establish an average in that league with most of my leagues and don't factor into current averages in anyway. The prior year stuff really only applies in the initial week of bowling and for a new bowler joining in after the start. If they don't have an established average we use 200 until they have 3 games in.
Usually as far as roll offs the winner from each quarter or trimester will bowl each other for the championship.
I'm sure some of the others can supply you with examples of league rules. One of the downsides to bowling non sanctioned leagues are the rules are pretty open to interpretation in a lot of them,
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