Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries full behavioral burden, and it does disclose one useful trait: the query is scoped to the signed-in employee. However, it never states the return shape (boolean? status string?), what happens when no plan exists, or any auth/permission requirement, leaving meaningful gaps for a no-annotation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.