Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false and openWorldHint=false, so the safety profile is fully covered. The description adds that the calculation covers both employee and employer contributions, which is useful context, but discloses nothing about rate assumptions or the employer-only nature of accident_rate_pct beyond what the schema says.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.