TopShelf2010: I am not exactly sure how a player's "beginning" balance is figured though.
I believe the following may help..
If the person joined WGT before the coin rooms started, they obviously would not receive level up bonuses for those levels... some degree of lump sum may have been offered but in general i believe level up bonuses would only reflect from the date coin rooms began and all levels thereafter.
So if they had already reached level 90 they would start seeing level up bonus at level 91 and beyond.
Those who joined after coin rooms began would recieve level up bonus from the start.
Then there are the free spin and scratchers that can also add to coin bankroll without ever playing coin games.