Dealers who never log in never claim.

Every downstream co-op metric — utilization, participation, activity mix — sits on top of one leading indicator: portal adoption.

What % of dealers with an allocated budget have actually logged in and transacted?

If that number is low, don't bother analyzing the rest. The funds can't move through a door nobody opens.

The fix is rarely more email reminders. It's making the funded side of the relationship visible: a dealer who can see their available balance, what it buys, and when it expires behaves differently than a dealer who gets a PDF once a year.

Visibility drives adoption. Adoption drives everything else.