I'm in a yacht club with some member volunteer labour, annual costs in Canadian $ are:

Membership $809

Mooring $1899 (includes haulout, launch and winter storage)

Insurance $300 (approx.)

Fuel $80 (80 liters @ $1/l)

Maintenance $1000 (mostly my labour)

At $4k I'm way over 10% of the value of my boat.