Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly=false, idempotent=false, destructive=false, and openWorld=true, so the safety profile is covered. The description adds real value beyond that: the explicit 'WRITE' marker, the 'must not already be enrolled' precondition (which explains why the call fails on repeat), and the requirement that the user be active. It does not describe the response or error behavior, keeping it from a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.