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VERY IMPORTANT! The information on this page is for people going through a divorce or attorneys helping their clients. Do not call QdroDesk for retirement account information unless it is in regards to a divorce. QdroDesk is a private company that only helps with the divorce process. It is not related or connected to the retirement account listed on this page. This page is provided for informational purposes only.


Plan Overview

RETIREMENT PLAN FOR SALARIED EMPLOYEES OF R J REYNOLDS TOBACCO IN PUERTO RICO

Defined Benefit Cash Balance Plan
RETIREMENT PLAN FOR SALARIED EMPLOYEES OF R J REYNOLDS TOBACCO IN PUERTO RICO is a Defined Benefit Cash Balance Plan which is essentially a blend between a traditional Defined Benefit and Defined Contribution plan because it has traits of both. Most cash balance plans are described and recognized as a Defined Benefit Plans because of the structure of individual accounts for each employee which are similar to 401(k) plans.

Under a cash balance plan the employee receives defined pension credits for each year of employment based on a set percentage of the employe's annual salary. For example if the employee's annual salary is $45,000.00, and the contribution rate is 5%, the annual contribution to the employee's cash balance plan would be $2,250.00. Along with this annual contribution the employee's plan will also gain interest value. The interest value is a set percentage and does not change, therefore, the employee has no control over how the funds in the plan are invested.

This type of plan often results in increased company profits and lower employee pensions.

Plan & Company Information:
CompanyREYNOLDS AMERICAN INC
C/O JENNIE BEASLEY
Po Box 2959
Winston Salem, NC 27102-2990
336-741-2000
Plan NameRETIREMENT PLAN FOR SALARIED EMPLOYEES OF R J REYNOLDS TOBACCO IN PUERTO RICO
Plan Type Plan Type
Defined Benefit Cash Balance Plan
(Expanded Definition and Explanation)
Plan Administrator
PO Box 2990
Winston Salem, NC 27102-2990
336-741-4858
   
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