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Enact (ACT) controller exercises RSUs as shares withheld to cover taxes

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Enact Holdings, Inc. Controller James McMullen exercised restricted stock units that converted into 594 shares of common stock on a one-for-one basis. To cover taxes on the vesting that occurred on April 1, 2026, 169 of these shares were withheld by the company. After these transactions, McMullen directly held 1,697 shares of Enact common stock. The restricted stock units vest in three equal annual installments beginning on April 1, 2025.

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Insider McMullen James
Role Controller
Type Security Shares Price Value
Exercise Restricted Stock Units 594 $0.00 --
Exercise Common Stock 594 $0.00 --
Tax Withholding Common Stock 169 $40.57 $7K
Holdings After Transaction: Restricted Stock Units — 588 shares (Direct); Common Stock — 1,866 shares (Direct)
Footnotes (1)
  1. Each restricted stock unit will settle into shares of Issuer common stock on a 1:1 basis. The Company withheld shares of common stock to satisfy the tax withholding obligation for the Reporting Person's Restricted Stock Units that vested on April 1, 2026. Restricted Stock Units vest and convert to Common Stock in three equal annual installments beginning on April 1, 2025.
RSUs Exercised 594 shares Restricted stock units converting to common stock on April 1, 2026
Tax Withholding Shares 169 shares Shares withheld to satisfy tax obligation on April 1, 2026
Withholding Price $40.57 per share Value used for tax-withholding disposition of 169 shares
Post-Transaction Holdings 1,697 shares Common stock directly owned after all April 1, 2026 entries
Exercise Price on RSUs $0.00 Restricted stock units settled into common stock at no cash cost
RSU Vesting Schedule 3 annual installments Beginning April 1, 2025 for restricted stock units
Restricted Stock Units financial
"Each restricted stock unit will settle into shares of Issuer common stock on a 1:1 basis."
Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.
tax withholding obligation financial
"The Company withheld shares of common stock to satisfy the tax withholding obligation for the Reporting Person's Restricted Stock Units"
vested financial
"Restricted Stock Units that vested on April 1, 2026."
three equal annual installments financial
"Restricted Stock Units vest and convert to Common Stock in three equal annual installments beginning on April 1, 2025."
Exercise or conversion of derivative security financial
"transaction_code_description: Exercise or conversion of derivative security"
tax-withholding disposition financial
"transaction_action: tax-withholding disposition"
A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.
Form 4 Insider Transactions: What Each Field Means →
SEC Form 4
FORM 4UNITED 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*
McMullen James
(Last)(First)(Middle)
C/O ENACT HOLDINGS, INC.
8325 SIX FORKS ROAD
(Street)
RALEIGH NORTH CAROLINA 27615
(City)(State)(Zip)
UNITED STATES
(Country)		2. Issuer Name and Ticker or Trading Symbol
Enact Holdings, Inc. [ ACT ] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
Controller
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
04/01/2026		6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Common Stock04/01/2026M594A(1)1,866D
Common Stock04/01/2026F169(2)D$40.571,697D
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Restricted Stock Units(1)04/01/2026M594 (3) (3)Common Stock594$0588D
Explanation of Responses:
1. Each restricted stock unit will settle into shares of Issuer common stock on a 1:1 basis.
2. The Company withheld shares of common stock to satisfy the tax withholding obligation for the Reporting Person's Restricted Stock Units that vested on April 1, 2026.
3. Restricted Stock Units vest and convert to Common Stock in three equal annual installments beginning on April 1, 2025.
Remarks:
/s/ Joe Jacumin, by power of attorney04/03/2026
** Signature of Reporting PersonDate
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)

Source: View Original Filing on SEC EDGAR

FAQ

What did Enact Holdings (ACT) Controller James McMullen report in this Form 4?

James McMullen reported the exercise of restricted stock units into 594 shares of Enact common stock. The filing also shows a portion of those shares was withheld to cover tax obligations tied to the vesting event on April 1, 2026.

How many Enact (ACT) shares did James McMullen receive from his RSU vesting?

He received 594 shares of Enact common stock from restricted stock units vesting on April 1, 2026. Each restricted stock unit converts into one share, reflecting a standard 1:1 settlement structure for this equity compensation award.

Why were some Enact Holdings (ACT) shares withheld in McMullen’s Form 4?

The company withheld 169 shares of common stock to satisfy McMullen’s tax withholding obligation. This is a non-market disposition labeled with transaction code F, meaning the shares covered taxes rather than being sold on the open market.

How many Enact (ACT) shares does James McMullen hold after these transactions?

Following the exercise and tax withholding, McMullen directly holds 1,697 shares of Enact common stock. This figure reflects his position after the 594-share conversion and the 169-share withholding related to the April 1, 2026 vesting.

How do McMullen’s Enact (ACT) restricted stock units vest over time?

The restricted stock units vest and convert to common stock in three equal annual installments. The schedule begins on April 1, 2025, providing McMullen with a multi-year equity compensation structure tied to continued service with Enact Holdings.

Was this Enact (ACT) Form 4 a market sale or routine tax withholding?

The disposition shown is routine tax withholding, not an open-market sale. The F-coded transaction indicates shares were delivered back to the company to pay tax liabilities from the RSU vesting, a common administrative feature of equity awards.