Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, openWorld=false, non-destructive), so the bar is lower. The description still adds real value beyond them: data provenance (9,453 director transaction records), the cross-referencing methodology, the 30/60/90-day windows, and the output fields (signal type, severity, volume anomaly, director activity). It does not note rate limits or data freshness, 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.