Associations needs a complete overhaul.
1) I agree with Nik that the continual swapping in and out of Associations teams during the season manipulates the draw, and needs to be stopped. There was an Association I saw in Platinum Division, in the World Top 10, that had teams with 10-20 match points each, including the Captain. How can that be if they're not swapping teams in and out every week?
2) It needs a Player 'Transfer Window' which closes when the Association fixtures are announced, to prevent Associations manipulating the draw by having very weak teams then importing loads of higher-Quality players...
3) The 100T top prize is laudable but, in the end, too much. It needs to be a lower prize, with other non-monetary things thrown in to complete the sense of achievement (I think Nik has already covered this).
4) The engine which governs Association matches seems to be different from that which is normally used. How else can you account for the fact that I lost to every lower-Quality team that I faced in Associations last season, even one -25%Q, whereas in normal play I got much better results (overwhelmingly wins) against equivalent teams. Average goals per match in Associations: 1.00; in normal play 3.08... There is something screwy in Associations-land.
I think Associations is a good feature for the game, but in its current form is too susceptible to manipulation and fraud, and has too many faults in the gameplay. I personally find it very frustrating to play and have withdrawn from Associations competitions to preserve my sanity, and integrity of my playing devices...