Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the safety profile is covered; the description instead adds genuinely non-obvious behavior: dates are projected from the company's own filing cadence, 'held, not rolled', and marked overdue when lapsed. Ordering (nearest first) is also stated. It stops short of failure modes or coverage limits, so not a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.