Hi pclady
If I am rigth you are in the "how to implement a corporate design within an existing portal" situation.
Your problem is the missing pageletInstance within the pagelet.
Be lazy!
For New users:
Change the default User Profile manually. This one is the base for all new ones including the skin, portal tabs ...
For existing users:
Go to the ibm page and search for a sdk sample called copy portal tabs.
In this case you copy the portal tabs from a reference user to a number of others.
Note that this sample is pretty version dependend.
Also: Think about different reference users for different levels.
How I solved it:
http://www.xiska.de > IT Technik > IBM Cognos
r > Portlet > User Settings
bye