Hi Paulette--
For the title, you should be able to use tbl_table_title_insert(), and for the extra row you can use tbl_obj_add(). If you want these to happen automatically, take a look at the tbl_insert doc callback (look up doc_add_callback() in the online help).
For the <desc>, I don't think there's a custom table function for that, so you will probably just need to start from the table wrapper element and use the standard insert() function or insert_tag command.
--Clay