When I was working on a tile backed game I came to the conclusion that to make it easily tileable its best to make groups of map sections, for example you say you have already created a 100x100 block of map, what you could do is reduct this to say 25x25, by make a fair few of them, then tiles theres, for example you make a 25x25 block of terrain that has a few mountains in, then another 25x25 block that has a lake.
Then you tile these groups in you main game, this allows you to easily expand the game area, without adding thousands of rows into a database.
As for player placement you could assign a number of players to a given tile group, say 5 players per 25x25 block, then when a 6th player comes along create a new 25x25 block, located in an area which has an average level that is low enough so they dont get picked on to much.