Agreed, the mass will penetrate. Now, how does it make a 110 story building come down at free-fall speed pancaking the floors one by one?
When one floor's metal supports weaken due to the extreme heat.
Why did the buildings collapse?
To put it simply; The impact of the plane shook loose the sprayed on insulation that is supposed to protect the structural steel members exposing them to the intense heat of the jet fuel fires generated from the fully fueled Boeing 757s.
The structural steel weakened by the fire then collapsed under the weight of the floors above the fire. The floors above slamming in to the floors below collapsed those floors in turn.
Popular Mechanics did an excellent job explaining in the article below.
http://www.popularmechanics.com/military/a49/1227842