I recently started having this issue on a Win10 Pro 64-bit laptop with Office 365 32-bit installed.
My addins do not stay loaded. Even though they are "selected" in the addin manager, there is nothing loaded. In the VBA IDE, there is no code, no password protected addins, like you normally see. I usually have the Analysis Toolpak and Solver loaded. Neither
of these will load. I also have my own custom addins that do not stay loaded either. This is not related to the security issues that required me to uncheck the security in the file properties. I also have all the locations of these addins in my Trusted Locations
in trust center. I really didnt change anything. they just stopped loading.
Excel takes an unusually long time to load when it does this. Oddly, if I log out or reboot, the addins return. Somewhere along the way, this stops.