As a Major (3K pts / $546+ rake monthly), you'll get 19.6% from
exchange to tourney bucks plus 6-7% from Medals of Achievement, i.e. about the same as if you were on RB.
As you're going to generate more rake soon, and you can switch the programs only once, I advise to remain on Elite. Even if you don't play that much right now, the gain you'll get from hitting General next year offsets the small loss you'll suffer if you remain a Captain (=Silverstar) or Major throughout this year.
If you play cash, then you'll surely be better off on Elite because it uses the dealt 'rake' calculation method, which benefits regulars, especially tight ones (attributes 1.1x-1.3x more 'rake' to them than the weighted contributed method on which the 27% rakeback is based).