Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnlyHint=true and openWorldHint=false, so the safety profile is covered; the description adds substantive data-scope behavior instead. It discloses the recency cutoff (2 years), the 1% minimum, the exclusion of foreign and minority-shareholder aggregates, and that each row carries as_of and source_url. It does not address error behavior or empty-result handling, so it is strong but not exhaustive.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.