Intel i7-4790k core running hot with stock cooler

I have just put this new PC together and the intel i7 4790k core seems to be running really hot. When I first put it together with the case all open but all components installed, no operating system yet, it was running in the high 40 C range to 51 or so according to the bios. I hoped with the case panels on and such it would have better cooling.

Its still running hot, 49 at idle.
If I do any type of stress tests, it goes up to 90 fast then settles in a few seconds at 98C so I stop the test right away

I have read this core runs hot, that you must use an after market cooler but see other posts saying it runs fine, and by fine they say in the 60 C range with stress.

So I'm not sure if I have a bad CPU or this is common?
CPUID HWMonitor, and Intels extreme tuning util and my bios show the same heat readings


Here are my parts.

Intel Core BX80646I74790K i7-4790K Processor (8M Cache, up to 4.40 GHz)

EVGA SuperNOVA 1000 G2 80+ GOLD, 1000W Fully Modular NVIDIA SLI and Crossfire Ready

MSI ATX DDR3 2600 LGA 1150 Motherboards Z97-G45 GAMING

Corsair Obsidian Series 750D Performance Full Tower Case CC-9011035-WW

Crucial 16GB Kit DDR3 1600 MT/s (PC3-12800) CL11 Non-ECC, UDIMM 240-Pin Desktop Memory

SanDisk Extreme PRO 480GB SATA 6.0Gb/s 2.5-Inch 7mm Height Solid State Drive (SSD)
Asus 24x DVD-RW Serial-ATA Internal OEM Optical Drive DRW-24B1ST (Black)

MSI Computer Graphics Cards GTX 960 GAMING 4G
WD Black 2TB Performance Desktop Hard Drive: 3.5-inch, SATA 6 Gb/s, 7200 RPM, 64MB Cache WD2003FZEX