Biologically, "night-time dryness" takes even up until 7 years old.
It is not the child... but the body's biological development and maturation of their bladder and nerves.
This is per our Pediatrician as well.
Now... as far as being "embarrassed" about her being in pull-ups/diapers and having night accidents.... THIS IS NORMAL. My daughter's Kindergarten Teacher, and 1st Grade Teachers... said the same thing. BUT, they said the parents will NOT go around admitting it... because they are embarrassed. But it is normal, for a child this age, to not be dry all night and to have accidents.
My daughter was still in night diapers at 5. She is now 7... and she will every blue moon, have an accident at night.
Even if you are embarrassed, try not to put that feeling onto your child. Children are tender hearted... and it will only give them a negative hang up.
Also, use waterproof bed pads under her. I got mine from Amazon. That is what I do with both my kids. I have 4 of them which I change out and rotate if needed. No laundry problem then and I don't have to wash the entire bedding.
Also, Pull-ups are useless for night time. They don't hold much and they leak. A night-time diaper is better and cheaper. I used Huggies Good nights.
all the best,
Susan