(I noticed under the Commentary to 226.7(f) that the total finance charge for the plan is not required.)
The Commentary to 226.7(f)(1) simply means you don't have to total the finance charges, but all finance charges still have to be disclosed and itemized.
is this a possible reimbursable violation if the sum of the individual finance charges exceed $100?
Not sure where the finance charge exceeding $100 comes from. If you understated the finance charge on an open-end credit plan then you have a reimbursable situation.