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Mass pays its agents directly. The GA may choose to enhance compensation out of his/her own pocket. This is the same whether it is commission, bonus or GDC.
I have no idea what the overrides are, but I suspect that they are substantial on the life side and more minor on the GDC side. Since many provide significant support and in no way set your compensation, ultimately it doesn't matter what it is.
MassMutual pays 55 direct to the agent. Anything over that would have to be paid by who you're contracted through. Thus, who holds your contact does set your compensation. There is plenty of room to make the comp competitive. There are good contracts out there and there are some GAs that won't offer them. Just be careful who you're contracted with because it's not easy to move the contracts.