I've personally had both experiences. I've had distractions pointed out and thought to myself, "how could I have missed that"? I've had other cases--the photograph discussed here has been one example--where the element involved is debatable.
There is also no avoiding the fact that judges, like everyone else, have their own taste, and that enters into their evaluations. Here's another one I had in the same competion (we were allowed a maximum of three) that garnered a mediocre score:
The judge liked the composition--the separation of the two smaller flowers balancing the one larger one. However, he had a number of criticisms. One was that he thought the saturation of the stems was too great and distracting. I actually think it's luminosity rather than saturation that is the issue, but I see his point. I had already brought the stems down, and
I may re-edit it to bring them down farther. <>