Hi mikebaker5317, the following perspective is offered based on the information that has already been provided. You may want to download Belarc Advisor and then look at the following explanations. Hope this helps. Kind regards.
Your operating system is Windows 10 Home and when your computer was activated for the first time it asks the owner to create an account. By default this will be a local user account with
administrator privilege and you should avoid surfing the internet with this account. It is best practice to create another local user account with
user privilege. Both of these local
user accounts will be listed in netplwiz, but local
system accounts are not listed in netplwiz.
(1) Hopefully this answers your netplwiz question.
Advocate using the Belarc Advisor (currently version 9.0) freeware to see all your local user and system accounts (and considerably more information about your computer profile). It can be downloaded from
https://www.belarc.com/en/products_belarc_advisor and you should run it with administrator privileges to fully report your computer profile. Belarc Advisor does not send a copy of your computer profile to a web server. When asked for permission to download its databases from the internet, its OK to say Yes because Belarc Advisor does not change your system or its settings.
Belarc Advisor will open an interactive html file of your computer profile in your browser. Now scroll down to the User section to see the list of all the local accounts: mouse over any of the user or system accounts to see its full details.
(2) Hopefully the Belarc Advisor computer profile answers your questions cannot see all the local accounts on my computer and which have administrator privilege.
(3) Advocate using your Windows 10 Home's Windows Settings > Accounts and this should answer your question of how to enable creation and management of all your local
user accounts that appear on the login window.