There may be multiple influences on groundwater temperature over the year. With your BCs you simulate the dependency on air temperature, either assuming that air temperature is equal to the temperature of the soil top, or by applying an additional resistance (heat-transfer BC). Depending on local conditions, you may have influences of solar radiation (on blacktop, for example), infiltration of rainwater, evaporation, ... Typically, however, I'd assume that by using a temperature BC you'd rather overestimate than underestimate the influence of air temperature. So hard to tell why in your model you observe such a small impact. I guess you've checked cp and thermal conductivity already. If there's an unsat zone, it could have an influence, but with typical porosity values, this would be small, too (FEFLOW assumes air to be non-conductive for heat).