Minnkota Ag Products, Inc. (Minnkota) established a 401(k) retirement plan for its employees in 1988. Norwest Bank North Dakota (Norwest) acted as the plan’s trustee until 1993, when Minnkota transferred the plan’s assets to First National Bank of North Dakota (First National). As the new plan trustee, First National requested Norwest to provide the plan’s accounting and federal tax records, but Norwest did not do so. In 1994, First National inspected Norwest’s files, found them unorganized and incomplete, and was not able to find any of the information it had requested earlier-such as forms showing the plan’s compliance with Internal Revenue Service reporting requirements. (Norwest now admits these documents and others were not available because they probably were never created.) First National then began both reconstructing past accounting records for Minnkota’s 401(k) plan and evaluating Norwest’s accounting methods and legal compliance (the alleged errors and violations uncovered by First National form the basis of this lawsuit). First National submitted its final report to Minnkota in 1996. Four years later, Minnkota sued Norwest, alleging Norwest had violated its ERISA-based fiduciary duty as the trustee of Minnkota’s 401(k) plan. See 29 U.S.C. § 1104(a) (1994). Minnkota argued Norwest’s fraud and concealment extended the three-year statute of limitations to six years after Minnkota’s discovery of the breach. See 29 U.S.C. § 1113 (1994). The district court ** concluded Norwest’s actions did not rise to the level of fraud or concealment and granted summary judgment to Norwest. Minnkota appeals.

Minnkota contends the district court committed error in granting summary judgment on the statute of limitations issue because material facts are in dispute about whether Norwest’s conduct amounted to fraud or concealment. See Mead v. Intermec Tech. Corp., 271 F.3d 715, 716 (8th Cir. 2001) (de novo review). Having considered the parties’ arguments on appeal and reviewed the relevant caselaw, we agree with the district court that Nor-west’s “silence, unresponsiveness, staffing, [and] disorganized file maintenance,” while inappropriate, fall short of the level of affirmative misrepresentation and active deception necessary to constitute fraud or concealment. See, e.g., Cont'l Assurance Co. v. Cedar Rapids Pediatric Clinic, 957 F.2d 588, 593 (8th Cir. 1992); Schaefer v. *678 Ark. Med. Soc’y, 853 F.2d 1487, 1491-92 (8th Cir. 1988). Thus, we conclude there is no genuine issue of material fact, Minnkota’s claim is barred by the three-year statute of limitations, and the district court properly granted summary judgment for the reasons stated above. We affirm. See 8th Cir. R. 47B.