Really the only good po4 test is by using a hanna checker. I have never trusted any other phos test. If your phos is off by .05-.1 it can make quite a difference. If you are at .1 phos that is getting up there and could be the issue.
Generally when sps start to STN or RTN they are very difficult to save, especially if its just a frag. Do you have any other sps and how are they doing? Sometimes sps just do this and you never really know. It could have gotten stung or slimmed, tough to say, but I'd bet on the phos. Although .1 isn't the end of the world if you are not using a hanna checker your .1 could be a .2 or .3....etc