Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It adds a behavioral detail ('No candidate fee is ever created') and identifies the data source ('employer-reported'). However, it does not clarify whether the operation is strictly read-only, describe authentication nuances, or explain potential side effects beyond the fee statement.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.