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This should probably be fact checked but as far as I've heard, between the two numbers, IQ vs Zip code, the zip code you were born in is a larger indicator of future success. So social environment definitely plays a large role as well.
As far as what contributes the most? I'd like to think I was just born being this awesome, but in reality I have no clue. (Also I'm not that awesome)
Caplan summarizes this research in Selfish Reasons to Have More Kids. I'll defer to that https://www.amazon.com/Selfish-Reasons-Have-More-Kids/dp/0465028616
...or Steven Pinker's The Blank Slate, for that matter.
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IQ is definitely more important than zip code but the two are correlated
You were born awesome presumes your awesomeness is innate not cultivated by environment
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