[Form 4] Enact Holdings, Inc. Insider Trading Activity

Rhea-AI Filing Summary

Enact Holdings insider James McMullen reported a grant of 2,599 Restricted Stock Units (RSUs) on 10/01/2025. Each RSU converts 1:1 into common stock and carries a $0 purchase price; after the grant he beneficially owns 2,599 shares directly. The RSUs vest in three equal annual installments beginning 10/01/2026, so the first conversion to shares is scheduled one year after the grant. The filing was signed under power of attorney on 10/03/2025.

Positive

• 2,599 RSUs granted to an officer, indicating continued management alignment with shareholders
• RSUs convert 1:1 to common stock at $0, reflecting direct equity compensation without cash purchase
• Vesting schedule in three equal annual installments beginning 10/01/2026 promotes retention over multiple years
• Form 4 filed and signed (via power of attorney) on 10/03/2025, showing regulatory disclosure compliance

Negative

• None.

Insights

Corporate Insider Compensation Analyst

Officer granted 2,599 RSUs vesting over three years.

The grant is structured as Restricted Stock Units that settle 1:1 into common stock with a $0 price, indicating a standard equity-based compensation award rather than a purchase.

Vesting in three equal annual installments starting 10/01/2026 aligns pay with future service; this delays share delivery for one year and then annually thereafter.

Securities Compliance Analyst

Form 4 discloses timely reporting of the officer's grant and ownership.

The filing shows the reporting person is an officer with direct ownership of 2,599 shares following the transaction and was executed under a power of attorney on 10/03/2025.

This Form 4 documents a non-derivative equity grant; no option exercise, sale, or disposal is reported.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

McMullen James

(Last) (First) (Middle)

C/O ENACT HOLDINGS, INC.

8325 SIX FORKS ROAD

(Street)

RALEIGH NC 27615

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Enact Holdings, Inc. [ ACT ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Controller

3. Date of Earliest Transaction (Month/Day/Year)
10/01/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(1)	10/01/2025		A		2,599		(2)	(2)	Common Stock	2,599	$0	2,599	D

Explanation of Responses:

1. Each restricted stock unit will settle into shares of Issuer common stock on a 1:1 basis.

2. Restricted Stock Units vest and convert to Common Stock in three equal annual installments beginning on October 1, 2026

Remarks:

	/s/ Joe Jacumin, by power of attorney	10/03/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Enact Holdings (ACT) report on the Form 4 filed in October 2025?

The Form 4 reports that officer James McMullen was granted 2,599 Restricted Stock Units on 10/01/2025, which convert 1:1 into common stock at $0.

When do the RSUs granted to the Enact (ACT) officer vest?

The RSUs vest in three equal annual installments beginning on 10/01/2026, so vesting occurs annually over three years.

How many shares will the reported RSUs convert into for Enact (ACT)?

Each RSU settles into one share of common stock on a 1:1 basis, so 2,599 RSUs will convert into 2,599 shares when vested.

Does the Form 4 show any sale or exercise of securities by the officer at Enact (ACT)?

No. The filing reports an acquisition (grant) of RSUs; there are no reported sales, disposals, or option exercises.

Who signed the Form 4 for the Enact (ACT) reporting person?

The Form 4 was signed by Joe Jacumin by power of attorney on 10/03/2025.