I agree with zoopa 100% in respect to the HSF not being enough. Pelts put off sooo much by themselves.
If you have access to an additional heat source, another pelt possibly, something that can "act" like a cpu, but will allow you to take several thermal readings. I did the following with my HSF/pelt and my waterblcok/pelt:
I used a 72w pelt to simulate the cpu heat, and 2 compunurses attached at several places: coldplate, pelt(s), waterblock, etc... I have a variable DC power supply, so I would increase voltage / amps to simulate "load-stress", and my problem was with the psu I was using!
If you have a friend with a strong PSU borrow it to determine if that's it. I didn't believe for a second that was my problem, until 125 bucks later. I had to kinda prove it to myself, ya know see it to believe it kinda thing
PS I'm now using a Swiftech MC462, and it's kickin!, but I will always use a high-power PSU, dedicated to any pelt in the system