Oh boy.
First off, I suggest learning to work in percentages becasue that way you will be able to adjust your batch size.
37.5% coconut oil
25.0% palm oil
11.0% rice bran oil
11.0% olive oil
11.0% castor oil
4.4% cocoa butter
(liquids and lye are calculated separately)
Second, even if I count the chocolate as cocoa butter (and thus one of your soaping oils) you have a zero percent superfat. Your milk will mitigate that a little, but I strongly suggest you cut the lye down. Use a
lye calculator like on soapcalc.net.
Third, that is a LOT of liquid. Taking into account both the milk and the water, you are essentially using a 23.7% lye concentration. I'd cut the liquid too. Again, use a
lye calculator and aim for about 28% lye concentration.
No matter what you are stirring with, you need to keep going until the oils and water don't separate. Perhaps cutting out some liquid will help - not sure. Are you soaping with warm oils and lye solution? if not, try going a bit warm.