It's not a 32bit application, but it's also not a signed application. I was doing it as universal (32bit and 64bit). It looks like, thanks to the way apple is going to be requiring applications to be notarized for Catalina and up that I won't be able to support any OSX versions of 10.15 and up unless they reverse this or unity finds a way to make it easier to work around. Valve themselves are recommending that if you want to play most games on OSX, you keep a separate install of 10.14 or earlier.
This came absolutely out of the blue for me, and I'm extremely disappointed in Apple's anti-independent developer practices. I've been waiting and hoping that they'll make some sort of concession or that someone will find some workaround, but thus far nothing has come up in the two weeks or so I've been aware of this.
More info is here:
https://forum.unity.com/threads/impact-of-new-notarization-process-for-osx-apps.659920/I'm feeling pretty betrayed by Apple at the moment, to be honest. They're doing something anti-consumer in a lot of respects and it's going to make a lot of game developers look like the bad guys while they do so. My bet is that the number of apple products available starts to drop because of this, aside from whatever is already sold through their app store (since those already would not be affected). It's a very anti-competitive thing they've got going on, and I really hope they change it quickly.