Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. It implies a read-only list operation scoped to an account, but says nothing about pagination behavior, permission requirements (e.g., needing account admin role), the shape of member entries (roles, status), or how this differs from Access users.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.