You missed a basic physics class -0.1.. means exotermic....= produces energy...
Do the balance. He4 is lighter than the sum of He3 and a neutron. Mass = energy, so if He4 were to lose a neutron to create He3 then the mass defect requires the addition of the energy equal to 0.1 mass units.
energy changes in nuclear reactions - Google Search
I don't suppose you will admit to an error? It is not my intent to embarrass you. I wish luck with your theories. If I must be your strawman, please get the math right. I know I make errors, but this is not one of them.