Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries full burden. It states 'list' which implies a safe read operation, but does not disclose details like whether the list includes pending beneficiaries, if any caching is involved, or what 'global' means across profiles. Minimal transparency beyond the action.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.