Taking all the information that has been posted here, there is another possible story emerging.
Found in 1881: Cesaer Eade & Mary Roe
Kate was b. 1885, to mother Mary Hawkins/Roe (her birth cert could be ordered to ascertain Mary's real maiden name)
Cesaer apparently died in 1885, and Mary Hawkins/Roe re-married as Mary Eade to Thomas White in 1886. By 1891, it appears that Thomas had cleared the scene, and we find Mary White living with a lodger, William Bennett, born in Sunbury.
In 1901, we find them again, this time Mary married to William (b.sunbury)
It appears to me, that this Mary was either very unlucky in love, or....something! How she got all these men to marry her with all these children, is beyond me!
It fits to Kate Eade, 1) it's a better age match for marriage cert 2) it would explain why she went into service at 14 3) why she is listed as stepdaughter to William in 1901 I'm just disappointed that there seems to be no Horace in the picture yet!
Edit: You know, she may not have remembered her father's name, if he HAD died the same year as her birth, which could explain why Horace?