Too much foreground and not enough subject. Move in closer (or were you sheltering yourself as well?).
The title of the challenge being "Rain", the great expanse of foreground is there because it shows the splashy heaviness of the rainshower. This is already a crop of the larger picture.
If I were to infer the subject purely from the DOF I'd think that the bushes and stone curb were the intended topic. If this shot is supposed to be about rain, shooting the fractured reflections of the people in the puddle would have both met the challenge theme and added a clear subject.
Definitely meets the challenge! I obviously don't know what you're shooting with, but if there would have been any way to crop closer/get closer to show the expressions on the face, I think it would have been a truly excellent shot.
I think it needs closer cropping. Perhaps just focusing on the right half of the picture, which is what I find most interesting. I love the look on the man with the brown shirt and blue pants.