Suppose this is known for all Egyptian fractions with minimal representation in $k$ fractions. Then if there's a counterexample in $k+1$ fractions $\frac{1}{n_1} + \frac{1}{n_2} + \cdots \frac{1}{n_{k+1}}$ we require $\frac{1}{n_1} + \frac{1}{n_2} + \cdots \frac{1}{n_k} < \frac12$. This allows fast enumeration of potential counterexamples: your claim for sums of 3 fractions only requires 75 sums to be tested, and for sums of 4 fractions there are 11122 sums to be tested. By brute force, there are two counterexamples among sums of four fractions:
$$\frac{1}{3} + \frac{1}{7} + \frac{1}{43} + \frac{1}{47} = \frac{1}{2} + \frac{1759}{84882} \\
\frac{1}{3} + \frac{1}{7} + \frac{1}{43} + \frac{1}{137} = \frac{1}{2} + \frac{1669}{247422}$$ where $\frac{1759}{84882}$ and $\frac{1669}{247422}$ cannot be expressed as sums of three or fewer unit fractions.
The main tool for efficient calculation is that if $n_1 > n_2 > \cdots > n_k$ then $\frac{1}{n_1} + \frac{1}{n_2} + \cdots \frac{1}{n_k} < \frac{k}{n_k}$. The other optimisation which makes a complete search of the space take seconds rather than hours is efficient determination of two-part Egyptian fractions. If $\frac{n}{d} = \frac{1}{a} + \frac{1}{b} = \frac{a+b}{ab}$ where wlog $\gcd(n,d) = 1$ then there is some $c$ for which $a+b = cn$ and $ab = cd$. Then $$\{a,b\} = \frac{cn \pm \sqrt{c^2 n^2 - 4cd}}{2}$$ Let $c = u^2 v$ where $v$ is squarefree. Then $v(u^2 vn^2-4d) \in \square$ so $v \mid 4d$. Let $w
= \frac{4d}v$. Now we have $$\{a,b\} = \frac{u^2 vn \pm uv\sqrt{u^2 n^2 - w}}{2}$$ If the square root evaluates to $s$ then $u^2 n^2 - w = s^2$ so $w = (un-s)(un+s)$, and by factoring $4d$ we can quickly enumerate all candidates for $v$ and $u$.