Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the '(read-only)' note is largely redundant. The description does add the underlying endpoint (GET /checks?applicant_id=…) and hints at the return content ('results/status'), but omits pagination, ordering, or result-size behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.