With a 20" back wheel you'll be looking at 18"-95".
If your not going up silly steep stuff and you don't mind spinning out around 30 mph, it's fine.
But in my opinion not low and high enough for a bent trike.
Double chainrings 52/39 on the front and a 13 sprocket on the back will open the range up to 15"-110".
Will make steep hill climbing slightly easier and give you a few more mph down hill.
Then again I've got a silly range on my bent trike, 12"-156".
Which is great ......
How does the tensioner manage the amount of chainslack resulted from that difference between the chainrings?
I weigh 65 kg and the trike another 22.
After the first 800 km in various gradients (Spain is not flatland at all) and testing loads between 10 and 30 kg I have reached the conclusion that the 52/15 combo is perfect. But only for unloaded cruising (max 5 kg of tools, food and water for one day trips). Once you start adding heavier panniers these hills begin to suck the life out of you. Anyway, one other major problem I wasn't aware of is the knee and hip angles that have a lot to say on the recumbent seat. Lower than 90 degrees and in a few hours hell would be unleashed upon the lactose level of leg muscles.
There are quite a lot of different coefficients to calculate differently from the classic DF setup. So first change for me is shorter cranks, 155mm. Also switched to a 46T chainring to compensate for the increased force necessary for pedaling smaller diameters.
This new 46/15 combo will put me in a 16-84 GI range, compared to the previous 18-95, but will also allow me to hit the 11th gear sweetspot at around 57 GI. With the 52/15 the 9th was my favourite, now with the shorter cranks I hope to be able to hit the 11th more often. What I am aiming for is a suitable gearing for self - supported, loaded touring.
Once again, the area I ride is just hills, hills, hills. My lack of training also shows. Any comparison with a classic DF is also out of place (I still ride my hybrid bike once a week , in 3 hours it makes me wanna just stop and rest, whilst on the recumbent I can sit for 8 hours without getting off, I just go slower when I'm tired and recover rapidly)
I wouldn't ever want to see a derailleur again between my feet. Never. If I will find the need for an extended range will mount a double in front but without a derailleur, just move the chain by hand on the smaller plate when I'm facing really steep climbs. Easy to do, takes about 3 seconds to do it and you dont even have to get off.