At first glance:

   open (RF, ">$roster_file");
    #Add Header Row here
    print RF "\nName         Age Nat St Tk Ps Sh Ag KAb TAb PAb SAb Ga
+m Sav Ktk Kps Sht Gls Ass  DP Inj Sus\n",
             "--------------------------------------------------------
+--------------­---------------------\n\n";
    # Fetch each row and print it
    while ( my ($name, $age, $nat, $st, $tk, $ps, $sh, $agg, $kab, $ta
+b, $pab, $sab) = $sth->fetchrow_array() ) {
        print RF "$name, $age, $nat, $st, $tk, $ps, $sh, $agg\n";
    }
    close RF;
[download]

Just add the header row as a hard coded print command.

That will at least accomplish the task of having a header for each file/club in the directory. You can play with the newlines to format and separate as needed.

Hope this helps!