Neptune Insurance grants director 9,568-share award

The director's award vests in quarterly installments beginning December 31, 2028, subject to continuous service.

Rhea-AI Filing Summary

Neptune Insurance Holdings Inc. director Cristian A. Melej received an award of time-based restricted stock units representing 9,568 shares of Class A Common Stock on September 30, 2026. The award vests in four quarterly installments of 2,392 shares each from December 31, 2028 through September 30, 2029, subject to continuous service. Melej's reported direct position after the award was 69,042 shares, including units underlying the new award and an amended award.

Insider Trade Summary

Grant/Award: 9,568 shares

Grant/Award 1 txn

Insider Melej Cristian A

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Class A Common Stock F1, F2, F3	9,568	$0.00	$0.00

Holdings After Transaction: Class A Common Stock — 69,042 shares (Direct)

Footnotes (3)

1. F1. Represents shares of Class A Common Stock underlying an award of time-based restricted stock units granted on September 30, 2026. The restricted stock units vest in four quarterly installments of 2,392 shares each on the last day of each calendar quarter from December 31, 2028 through September 30, 2029, in each case subject to the continuous service of the Reporting Person through the applicable vesting date.
2. F2. Includes 26,316 shares of Class A Common Stock underlying an award of time-based restricted stock units, as amended, which remain held directly by the Reporting Person. The restricted stock units vested as to 13,158 shares on September 30, 2026 and vest as to the remaining 26,316 shares in eight quarterly installments of 3,289 or 3,290 shares each on the last day of each calendar quarter thereafter through September 30, 2028, in each case subject to the continuous service of the Reporting Person through the applicable vesting date.
3. F3. Includes 9,568 shares of Class A Common Stock underlying the award of time-based restricted stock units reported on this Form 4.

Key Figures

Shares underlying new award: 9,568 shares Vesting installments: 4 installments Reported direct position: 69,042 shares +2 more

5 metrics

Shares underlying new award 9,568 shares Granted September 30, 2026

Vesting installments 4 installments Each installment covers 2,392 shares

Reported direct position 69,042 shares Following the September 30, 2026 award

Shares underlying amended award 26,316 shares Remaining restricted stock units described in the footnote

Shares vested under amended award 13,158 shares Vested September 30, 2026

Key Terms

time-based restricted stock units, quarterly installments, continuous service

3 terms

time-based restricted stock units technical

"award of time-based restricted stock units"

Time-based restricted stock units are a form of employee compensation where individuals are granted company shares that are earned over a set period, often as a reward for staying with the company. These shares typically become fully owned and transferable only after passing specific time milestones, encouraging long-term commitment. For investors, they highlight a company's focus on employee retention and can influence future stock supply and company stability.

quarterly installments technical

"vest in four quarterly installments"

continuous service technical

"subject to the continuous service of the Reporting Person"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many NP shares did director Cristian A. Melej receive in the award?

The award represented 9,568 shares of Class A Common Stock and was granted on September 30, 2026.

What were Cristian A. Melej's reported NP holdings after the award?

His reported direct position after the award was 69,042 shares. The position includes 9,568 shares underlying the new award and 26,316 shares underlying an amended restricted stock unit award.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/02/2026 - 04:46 PM Accepted by SEC EDGAR 10/02/2026 - 04:45 PM Learn about SEC filing dates

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
Estimated average burden
hours per response:			0.5

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^*

Melej Cristian A

(Last) (First) (Middle)

C/O NEPTUNE INSURANCE HOLDINGS INC.

400 6TH ST S STE 2

(Street)

SAINT PETERSBURG FLORIDA 33701

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Neptune Insurance Holdings Inc. [ NP ]

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

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/30/2026

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

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

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

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
Class A Common Stock	09/30/2026		A		9,568(1)	A	$0	69,042(2)(3)	D

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

Explanation of Responses:

1. Represents shares of Class A Common Stock underlying an award of time-based restricted stock units granted on September 30, 2026. The restricted stock units vest in four quarterly installments of 2,392 shares each on the last day of each calendar quarter from December 31, 2028 through September 30, 2029, in each case subject to the continuous service of the Reporting Person through the applicable vesting date.

2. Includes 26,316 shares of Class A Common Stock underlying an award of time-based restricted stock units, as amended, which remain held directly by the Reporting Person. The restricted stock units vested as to 13,158 shares on September 30, 2026 and vest as to the remaining 26,316 shares in eight quarterly installments of 3,289 or 3,290 shares each on the last day of each calendar quarter thereafter through September 30, 2028, in each case subject to the continuous service of the Reporting Person through the applicable vesting date.

3. Includes 9,568 shares of Class A Common Stock underlying the award of time-based restricted stock units reported on this Form 4.

Remarks:

	/s/ James Steiner, as Attorney-in-Fact	10/02/2026
	** 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.
* Form 4: SEC 1474 (03-26)