Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only, idempotent, non-destructive behavior, so the safety profile is covered. The description adds genuinely useful behavior beyond that: full-fiscal-year figures as filed, currency/unit attached to each amount, amounts with undeterminable units returned 'unresolved, never guessed', and 'found:false' for filers without structured data. It also notes the _apiKey requirement, though the schema calls that parameter optional and defaulted, a small inconsistency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.