medmon.. as a whole work.. the scene doesn't need to be filled in much if at all.  not everything has to be ultra-busy and frame filling.  dof on the shot is great, so is the water refraction.  is the character intended to be like a pixie or sprite or something other tiny creature?  if so.. all is well.  if she's intended to be full-size then those are some mammoth prehistoric ferns and the water ripples look like the precurser to a major earthquake.  character's skin looks just about right.. not too glossy not too flat.  i reiterate.. it's a pretty good render all-in-all.