Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnlyHint, idempotentHint, destructiveHint=false, openWorldHint), so the bar is lower. The description still adds non-redundant context: data provenance and freshness ("Data is live from ProPublica Nonprofit Explorer") and a scope limitation beyond the annotations ("Does not rate or rank organizations"), which heads off a natural misinterpretation of a tool named 'compare'. It does not mention cost, rate limits, or failure modes for invalid EINs, keeping it short of a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.