Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly/idempotent/non-destructive, so the description correctly spends its words on what annotations cannot express: the neutralisation rules, the exact cluster threshold (≥3 distinct insiders in any rolling 30-day window), and the access tier restriction. It does not cover degenerate cases (no transactions, single insider, uncovered issuers) or what the score does when data is thin.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.