Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses the return format (retirement_age, retirement_date, years_remaining, already_retired, note) which is helpful, but does not mention any side effects, idempotency, or data handling. For a simple calculation tool, this is adequate but not outstanding.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.