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 change the group of the www.underconstruction.com folder to apache test.php is executed as it should be. Looks to me like not fully or correctly implemented groups? [@ login0]# groups apache apache : apache login0 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 [@ 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 = /home/login0/www.underconstruction.com.sock ;listen = 127.0.0.1:9000 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