What is your ultimate goal in mind? Playing college, playing varsity at your local high school, for fun, and so on. If playing college, I suggest staying at your current big club and playing down at his age. The reason is that these big clubs have the college network, reputation, and recruiting pipeline to get your kid to college placement down the road if the kid is still good. Once you move out of this club and wants to rejoin at the top level down the road, the club politics would make it really difficult to join as there would be +20 kids at the summer tryouts for a handful of open spots. Again, unless your kid is somewhat exceptional, it would be hard to join later. These big clubs prioritize the talented players first and then their legacy and royal customers as bench if they are more for pay-to-play individuals with subpar skills.
Play your age level, get plenty of game time, and your team will be good as these clubs will attract top talents in the area. And your older kid and his team will play at the national playoffs with lots of recruiting exposure. But if your player is playing fun and enjoying, I am sure there are many local clubs at much lower price, and you don't need to think about all these.