Imperfect internal reflectance of near-bandgap light reduces the performance of all solar cells, and becomes increasingly detrimental as absorbers become thinner. We consider light incident on the silicon/dielectric/metal structure at the back of rear-passivated crystalline silicon solar cells with surface textures that are large enough for geometric optics. By calculating the absorbance in the metal as a function of the angle of incidence, we discover three results that are important for understanding and improving rear reflectors in many types of solar cells. First, significant parasitic absorption occurs in the metal layer in two cases: s- and p-polarized propagating modes (near-normal angles of incidence) when the dielectric thickness is adjusted to cause destructive interference of the reflected beams, and p-polarized evanescent modes (angles of incidence above the semiconductor/dielectric critical angle) that excite surface plasmon polaritons at the metal surface. Second, the latter loss dominates; a well-designed rear dielectric passivation layer must suppress the penetration of evanescent waves to the metal. Third, when used as an input in a simple analytical model, the average rear internal reflectance calculated by assuming a Lambertian angular distribution of light accurately predicts the total reflectance and absorbance of a solar cell.