I am a little confused -- she's doing 12 hours a week? That seems like a lot for L2 unless there is some sort of fast track. It's hard to remember back, but when my daughter was on preteam (they didn't compete until old L5), I think she was doing maybe four hours a week? When DS was a L4, they were still not doing more than four or six hours a week. She will compete L8 this year and he will compete L6, so clearly they're doing something right!
Consistency can sometimes be an issue with compulsory coaches -- some gyms will reserve their full-time coaches for optionals. One of the things I like about DD's gym is that their best and most experienced coaches work with the teeny tinies.
Late coaches is irritating but it depends a bit on context. For little ones, I'd draw a harder line than for experienced team gymnasts. Last year, the boys' coach for my son's group was consistently 5-10 minutes late a few times a week, but they all had a set of specific tasks to accomplish in warmups. Whether he was there or not, they were to go right into the gym and get to work. But you can't expect that of a five year old!