Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's complexity (9 parameters, 1 required, output schema present), the description adequately covers the core functionality and supported scenarios. It mentions identity types, dependents, voluntary contributions, and part-time work. The disclaimer about reference-only is a good addition. It is sufficiently complete for an agent to understand usage.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.