I'm fairly certain (although I don't have rakeback at Full Tilt) that rakeback goes like this when you have a bonus still with them.
When playing you get 42% of your rakeback through the bonuses that you are clearing. Full Tilt then subtracts that total amount of bonus that you have cleared from the MGR. You then get 27% of what is left of the MGR.
So, if your total rake generated playing that month was 1,000, you would get $420 (1000*.42) in bonus money and $156.6 for rakeback (580*.27=156.6).
Thus, if you have a bonus+rakeback, it is then in effect 57.6% rakeback.
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