When your team sends money to Benepass, we hold it in a cash account in your company's name. The funds in this account are your account balance (which you can review in the account spending page on the admin dashboard). Your account balance represents real cash in your Benepass account.
Separately, your employees have cards with max spending limits based on your benefit setup. Your "total benefit remaining" (also available in the account spending page on the admin dashboard) balance is a theoretical number that represents how much spending your employees could incur on their cards if they fully spent their benefits.
As employees are unlikely to fully spend their benefits all at the same time the account balance (real cash) can be lower than the total benefits remaining balance (possible total spending).