Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly, idempotent, and non-destructive behavior. The description adds meaningful behavioral context beyond that: it is an 'official statutory' record, token-optimized Markdown-KV under 1 KB, and includes specific data-health signals like filing health and confirmation statement due date.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.