Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the read-only, non-destructive annotations, the description discloses what is computed (gross salary, statutory employer charges, total employer cost, difference and ratio to the smallest total, contribution ceilings) and notes the data snapshot date. It also clarifies that this is a cost comparison, not legal or tax advice, which is useful behavioral context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.