Thanks so much everyone!  I really appreciate the help. 

bopperthijs, "smooth polygons" is on.  I usually try to keep that checked for every render, unless it starts inflating objects.  I had no idea that it could also affect reflections.  Good to know!  Thanks!

After my last post last night, I tried moving V4 to the upper portion of the floor, with all the other props.  The reflections showed up perfectly, and I ended up getting a better composition.  Tried to do a large render but it was chugging along so slowly that I had to leave it rendering when I went to bed.  When I woke up this morning it had crapped out just after rendering her head.  sigh  Guess I'll just have to try again at a smaller size.

jimmy1 and richardson, I will definitely give those a try today and see what happens!  That must be what my problem is!  I wasn't really paying attention when I loaded the scene and I just assumed the bottom portion of the floor had loaded at ground level.  Heh.

Thanks again!

"You don't know what we can see
Why don't you tell your dreams to me
Fantasy will set you free." - Steppenwolf