T on Player on Bench
 

Player checks out of the game. Sits down on the bench and utters a comment to the official which results in a T. Indirect to the coach because it is bench personnel but if you know specifically which player said it, does it count against his total of 5 as well?

Yes. If you don't know who said it, I'd be very careful about calling it. If you don't really know who said it, it's hard to ensure it actually came from the bench (depending on the gym setup.)

I think you're asking the question backwards.

It counts "first" toward the team member and THEN it's an indirect to the coach because the team member was bench personnel.

You kind of can't call this if you can't assign it to a player.

Vast majority of the time, I agree. In the rare case where the bench is the only group of people present (some gyms have no spectators behind the bench, or even on that side of the gym), I think you could if you needed to.