Does the description clearly state what the tool does and how it differs from similar tools?
The description uses a specific verb ('Read') with a clear resource ('a split') and enumerates what's returned: participants, expenses, per-person balances, and settlement payments. This clearly distinguishes it from the sibling tools, all of which are mutation-oriented (add_expense, update_split, delete_entry, etc.), so there's no ambiguity about this being the read operation. While it doesn't name a sibling explicitly, the contrast with the write-heavy siblings is obvious.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.