Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false. The description adds useful context about the institution_id mapping and query filtering, but it does not disclose pagination, result shape, or matching semantics. The safety profile is covered by annotations, so this is adequate but not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.