Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only supply the generic hint set (readOnlyHint=false, destructiveHint=false, idempotentHint=false); the description goes well beyond them by disclosing that entries lock, approvers are notified, exempt roles are auto-approved, and that refusals occur for empty or already-filed periods. Those consequences are exactly what an agent needs before invoking a non-idempotent mutation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.