Nice feather detail. A little more real estate around the bird would be an asset. I also feel there is too much noise. I would select the bird and reverse selection and apply de-noising software to the background. It doesn't appear you had much light to work with - thus the noise and ISO 800 setting. The reflection doesn't do much for me because it is so soft, but I really like how well the bird came out. I'd be tempted to clone out the reflection.
This calls for a cutness alert Ivan. Lovely capture of this baby loon but as mentioned I would like to see a little more room and especially to the left and also a little CW rotation.