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

Rhea-AI Filing Summary

Enact Holdings, Inc. (ACT) Form 4 discloses deferred stock unit awards and reinvestment activity for director Dominic James Addesso. On 09/08/2025, 292 Deferred Stock Units were acquired, and additional deferred stock units were credited under reinvestment terms from a dividend paid on 09/08/2025 at $0.21 per share. Following the reported transactions, the filing shows 8,723.163 shares held directly and deferred, plus 24,177 shares held indirectly by Deborah Addesso and 20,650 shares held indirectly by D.J. Addesso Holdings, LLC. The deferred stock units become payable in common shares one year after termination of service as a director.

Positive

• Director compensation is deferred, with units payable one year after termination, which aligns executive incentives with long-term ownership
• Dividend reinvestment increased deferred stock units, indicating automatic retention of value rather than immediate cash distribution

Negative

• Deferred stock units convert to common shares, which will increase outstanding shares upon settlement (potential dilution)
• Significant portion of holdings are indirect (held by related parties and an LLC), which may obscure direct individual ownership levels

Insights

Financial Analyst

TL;DR: Director received deferred stock units and dividend reinvestment credits; holdings increased slightly, representing compensation accrual not immediate cash.

The filing documents a director-level compensation event: acquisition of 292 Deferred Stock Units and additional units from dividend reinvestment at $0.21 per share on 09/08/2025. These units convert to common shares only one year after the director leaves service, so the transaction is an accrual-based equity compensation action rather than an open-market purchase or sale. Reported beneficial ownership aggregates include direct and indirect holdings across the reporting person and related parties.

Corporate Governance Expert

TL;DR: Routine director award and dividend reinvestment recorded; payment is deferred, aligning with common governance practices.

The Form 4 shows governance-standard deferred compensation mechanics: awards vest or convert to shares after termination (one-year delay). The use of deferred stock units and dividend reinvestment is typical for board compensation programs and is disclosed here with allocation between direct ownership and indirect holdings by related parties. No change in control, sales, or exercises are 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).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Addesso Dominic 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)

X	Director		10% Owner
	Officer (give title below)	X	Other (specify below)
			Chairperson of the Board

3. Date of Earliest Transaction (Month/Day/Year)
09/08/2025

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
Deferred Stock Units	(1)	09/08/2025		A		292		(1)	(1)	Common Stock	292	$0(2)	8,723.163	D
Deferred Stock Units	(1)							(1)	(1)	Common Stock	24,177		24,177	I	By Deborah Addesso
Deferred Stock Units	(1)							(1)	(1)	Common Stock	20,650		20,650	I	By D.J. Addesso Holdings, LLC

Explanation of Responses:

1. Deferred Stock Units become payable in shares of Common Stock one year after termination of service as a director.

2. Additional deferred stock units acquired pursuant to reinvestment terms under the director award agreement from a dividend paid on September 8, 2025, at $0.21 per share.

Remarks:

	/s/ Joe Jacumin, by power of attorney	09/10/2025
	** 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 transactions did Dominic James Addesso report on Form 4 for ACT?

On 09/08/2025 he acquired 292 Deferred Stock Units and received additional deferred units from a dividend reinvestment at $0.21 per share.

When do the Deferred Stock Units reported on the Form 4 convert to shares?

The filing states Deferred Stock Units become payable in common shares one year after termination of service as a director.

How many shares does the Form 4 show as beneficially owned after the transactions?

The filing lists 8,723.163 shares held directly and deferred, plus 24,177 shares held indirectly by Deborah Addesso and 20,650 shares held indirectly by D.J. Addesso Holdings, LLC.

Was the Form 4 signed and when?

The filing shows signature by power of attorney /s/ Joe Jacumin dated 09/10/2025.

Does the Form 4 report any cash sales or open-market purchases?

No; the Form 4 reports only acquisition of Deferred Stock Units and reinvestment-related units, not cash sales or market purchases.