Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint and destructiveHint=false, so the safety profile is covered. The description adds a useful disclaimer ('Facts, not investment advice') but omits material behavior: how stale disclosure data is, whether a name search can return multiple members, and what days/limit default to.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.