Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive and openWorld, so the safety profile is covered. The description adds value by enumerating the concrete fields returned (BPJS and tax numbers are non-obvious) and by citing the underlying endpoint path, but it says nothing about permissions, response shape, or failure modes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.