I really like this shot. Though the ducks don't have very much contrast on their bodies, it makes them look very peaceful out for their morning swim. It's really pretty, and if I saw it in a store, I'd buy it.
I like the picture but I think the border takes away from it. I would do a think black outline with a larger white outline behind that.
I used this tutorial when learning about borders... the photoshop instructions are fairly basic but, they have some good pointers for which basic borders work well with what.