Your cropping isn't all that bad, but any higher and it would not have worked at all.
Personally, I would have liked to see just a little more space around Holly, a little "breathing room", and maybe crop a little lower to show at least some of her underwear. Reason: the top and bottom are complete halves of the clothing ensemble, and to me the scene seems incomplete without enough of the bottom for my mind's eye to complete the picture.
Also, I'm guessing there is a curve in her hip of some sort below the frame, and by including more of her bottom there is a continuity of curve that would provide some leading lines in the composition for the eye to follow. I don't really know without seeing the rest of the image, but that's what I'd be looking for if I were composing the shot.
One of the classic lines in art is the S-curve, and by turning Holly just a bit to the side and not cropping out her hips you can get the S-curve line from her neck all the way down to her rear, which is visually interesting and very sexy. Also, you get a curve along the front which can complement the back curve, and this sometimes works well for small busted women to create curves.
Your exposure is excellent, and you make her skin look flawless. I haven't met Holly, she probably has great skin, but you've shown it off very well. The background separation is just right, the scene conveys the mood without any distracting details. The catchlights are good, her pupils are dilated enough to make her eyes look big but not so much that they don't show off her pretty green eyes.
Not bad. Room for improvement, but I like it too.