php-fpm not correctly using groups?

The apache server can access this file http://xxxx/index.html When I try to access this file http://xxxx/test.php, I get file not found with the setup/permissions listed below. When I only change the group of the www.underconstruction.com folder to apache in this setup, test.php is executed as it should be. Test.php should be executed when apache is member of the login0 like httpd process, so why not php-fpm? Looks to me like not fully or correctly implemented groups? I have no idea how this is even possible because that is something for the os to handle, not? drwxr-x--- 2 login0 login0 6 Mar 30 20:01 cgi-bin drwxrwx--- 2 login0 login0 6 Mar 30 20:02 tmp drwxr-x--- 2 login0 login0 4096 Apr 3 00:11 logs drwxr-x--- 2 login0 login0 97 Apr 3 12:17 www.underconstruction.com ├── cgi-bin ├── logs │   ├── www.underconstruction.com-2019.04.03-access.log │   └── www.underconstruction.com-2019.04.03-error.log ├── tmp └── www.underconstruction.com ├── index.html ├── test2.php ├── test-mail.php └── test.php [@ login0]# groups apache apache : apache login0 [@ php-fpm.d]# cat www.underconstruction.com.conf [www.underconstruction.com] user = apache group = apache chroot = /home/login0/www.underconstruction.com listen = /var/run/php-fpm/www.underconstruction.com.sock listen.owner = apache listen.group = apache listen.mode = 0660 listen.allowed_clients = 127.0.0.1 pm = dynamic pm.max_children = 10 pm.start_servers = 1 pm.min_spare_servers = 1 pm.max_spare_servers = 10 [@ ]# rpm -qa | grep php72 rh-php72-php-json-7.2.10-3.el7.x86_64 rh-php72-php-xml-7.2.10-3.el7.x86_64 rh-php72-php-fpm-7.2.10-3.el7.x86_64 rh-php72-runtime-1-2.el7.x86_64 rh-php72-php-zip-7.2.10-3.el7.x86_64 rh-php72-php-cli-7.2.10-3.el7.x86_64 rh-php72-php-process-7.2.10-3.el7.x86_64 rh-php72-1-2.el7.x86_64 rh-php72-php-common-7.2.10-3.el7.x86_64 rh-php72-php-pear-1.10.5-1.el7.noarch