Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description must carry the burden. It lists the outputs (net salary, contributions, employer cost) which implies a read-only calculation. However, it does not explicitly state the side-effect-free nature or any potential limitations (e.g., accuracy assumptions, regional variations).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.