Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so the safety profile is covered. The description adds real value by disclosing the computation model (25%/50% premiums, gross pay per labor code), but says nothing about rounding, caps/exonérations, or country-specific thresholds beyond the flat premium tiers.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.