I'm running a patched version (1.0.1).
It would seem that the setting for Average Coaches Salary (Under game setup in the rules tab just above the lists of average salaries for star players, good players, etc.) has no function. Whatever I set this to, the personnel contracts are the same.
Thank you for your time.
BTW, I have never experienced a game crash, even though I'm running on a Tandy 1000 with 64K of internal ram.