[SCHEDULE 13G/A] UNIVERSAL INSURANCE HLDG, INC. SEC Filing

Rhea-AI Filing Summary

The Vanguard Group filed a Schedule 13G reporting beneficial ownership of 1,126,371 shares of Western New England Bancorp (WNEB) as of 30 June 2025. The position equals 5.43 % of WNEB’s outstanding common stock, crossing the 5 % threshold that triggers passive reporting under Rule 13d-1(b).

• Voting power: 0 shares sole; 7,651 shares shared.
• Dispositive power: 1,110,510 shares sole; 15,861 shares shared.
• Vanguard files as an investment adviser (IA); shares are held in ordinary course for clients, not to influence control.
• Certification signed by Ashley Grim, Head of Global Fund Administration, on 29 July 2025.

No other group members or control persons are disclosed, and Vanguard notes that no single underlying client holds more than 5 % of the class.

Positive

• Vanguard’s 5.43 % ownership introduces a reputable institutional holder, potentially enhancing liquidity and investor confidence.

Negative

• None.

Insights

Financial Analyst

TL;DR: Vanguard’s 5.43 % passive stake adds institutional support; limited immediate financial impact.

Crossing the 5 % threshold signals that a large, reputable index manager now holds a meaningful position in WNEB. While passive, Vanguard’s ownership can enhance liquidity, broaden analyst coverage, and improve governance optics. The minimal voting power (only 7,651 shares) indicates the shares are largely held in index and advisory accounts without activist intent. This filing does not alter earnings outlook but may slightly bolster investor confidence by demonstrating institutional demand.

Corporate Governance Expert

TL;DR: Passive 13G suggests no control ambitions, but adds oversight credibility.

Because Vanguard filed on Schedule 13G rather than 13D, it affirms a passive stance under SEC rules. The firm retains dispositive power over >1.1 million shares, enabling it to influence proxy votes if corporate governance issues arise, yet current sole voting power is zero. Management gains a long-term, low-turnover shareholder, which can lower cost of capital, though day-to-day strategic autonomy remains unchanged.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 12)

Universal Insurance Holdings Inc

(Name of Issuer)

Common Stock

(Title of Class of Securities)

91359V107

(CUSIP Number)

06/30/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 91359V107

1

Names of Reporting Persons

The Vanguard Group

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

PENNSYLVANIA

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 45,199.00
7	Sole Dispositive Power 1,774,848.00
8	Shared Dispositive Power 70,213.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

1,845,061.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

6.55 %

12

Type of Reporting Person (See Instructions)

IA

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Universal Insurance Holdings Inc
(b)	Address of issuer's principal executive offices: 1110 West Commercial Blvd, Suite 100, Ft Lauderdale, FL, 33309
Item 2.
(a)	Name of person filing: The Vanguard Group
(b)	Address or principal business office or, if none, residence: 100 Vanguard Blvd., Malvern, PA 19355
(c)	Citizenship: PA
(d)	Title of class of securities: Common Stock
(e)	CUSIP No.: 91359V107
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 1845061
(b)	Percent of class: 6.55 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 0
	(ii) Shared power to vote or to direct the vote: 45199
	(iii) Sole power to dispose or to direct the disposition of: 1774848
	(iv) Shared power to dispose or to direct the disposition of: 70213
Item 5.	Ownership of 5 Percent or Less of a Class.
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	If any other person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, such securities, a statement to that effect should be included in response to this item and, if such interest relates to more than 5 percent of the class, such person should be identified. A listing of the shareholders of an investment company registered under the Investment Company Act of 1940 or the beneficiaries of employee benefit plan, pension fund or endowment fund is not required. The Vanguard Group, Inc.'s clients, including investment companies registered under the Investment Company Act of 1940 and other managed accounts, have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, the securities reported herein. No one other person's interest in the securities reported herein is more than 5%.
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

The Vanguard Group

Signature:	Ashley Grim
Name/Title:	Head of Global Fund Administration
Date:	07/29/2025

FAQ

How many WNEB shares does Vanguard own?

Vanguard reports 1,126,371 shares, representing 5.43 % of Western New England Bancorp’s common stock.

Does Vanguard seek control over WNEB?

No. The Schedule 13G filing declares a passive investment; shares were acquired in the ordinary course of business.

What voting power does Vanguard hold in WNEB?

Vanguard has 0 sole and 7,651 shared votes, indicating limited direct voting influence.

When was the beneficial ownership effective?

The ownership reflects holdings as of 30 June 2025, with the certification dated 29 July 2025.

Why did Vanguard file a Schedule 13G?

SEC rules require passive investors to file once they exceed 5 % ownership of a registered class of securities.