Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries full burden. It discloses that the tool returns data from IRS 990 filings, which implies a read-only operation with no destructive side effects. It does not mention authentication or rate limits, but for a data retrieval tool, the description adequately conveys behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.