VRMs can be a major issue on am3 and am3+ sockets!
VRMs are rated between 95 and 125 degrees depending on which board. Obviously lower end board with lower end components are on the lower end of the scale.
Though they are rated at these temps, it does not mean they can operate at these temperatures safely and will throttle far before your each the rated VRM limit!
Having said that, an fx4100 shouldn't be drawing enough power to heat the VRMs to throttling. how quick do you see your multiplier drop after starting prime 95?
What is your core temperature when it starts to throttle?
TBH, there is little that can be done for VRM cooling that will make a big difference. Small heatsinks dont help much if there is low air flow and the VRMs only take a few seconds to hit their throttling temps. Your best bet would be to get a second hand 970 board. Even the cheapest Asus one would have no problem handling the fx4100. Would still avoid lower end MSI/Asrock for am3+, as you will hit the same problem if you ever upgrade the CPU.
The Extreme 3 from Asrock was notorious for throttling due to VRMs with higher powered 6 and 8 core chips at stock. This is because though it was a flagship board and was released with all the bells and whistles Asrock had to offer at the time, it is still outdated and designed before these high power chips were around.
Once again, dont ignore VRM temps. There Windforce R9-290x cooler is rated at 450w of cooling but if you run that power through the 290x, you would soon end up with a dead GPU. Just because it is rated at an amount, it doesn't mean it can operate well at it.