Performance benchmark for customer returns and ratings is similar seller tiering benchmarks. Your vertical benchmark for Customer returns and rating is applicable for all products listed in that vertical.
E.g. Silver benchmark for ‘XX’ vertical is 5% and you have 10 Products listed in that vertical. Your average return % for that vertical is 4% and you are ‘Silver’ in that vertical.
But, one product in that vertical has 10% returns and this product will be rated ‘Poor’ in return performance for providing F-Assured badge.