To solve the key issues of stress transfer law and settlement mechanism in a pile-net composite foundation, the geosynthetic-reinforced and short pile-supported embankment over gravel clay with low to moderate compressibility at the DK86+998.0-DK87+191.2 section of the Ganzhou-Longyan High-speed Railway was selected as a case study. Field tests that combine theoretical analysis with analytic calculation were conducted to investigate the change laws of stress acting on the pile and the subsoil, pore water pressure, and foundation deformation, as well to predict pile-net composite foundation settlement. Results show that the stress distribution exhibits a saw-toothed shape across the foundation, and the reaction force of the foundation varies against the filling embankment load. After constructing the embankment, the average pile-soil stress ratio is 4.0 and the pile-soil load ratio reaches 50%. Foundation deformation mainly appears during the construction phase with an accumulative ground settlement of 55 mm and an accumulative lateral displacement of 25 mm. Unlike that of in-situ measurement, the accumulative settlement of the foundation is predicted to be 62 mm in a 2000-day duration, whereas the accumulative settlement increases only by 7 mm following the 800-day predictive period. Result also indicates that soil consolidation mainly occurs during the construction period and the effect of the engineering control of using short piles for the foundation is evidently effective. This approach is low-cost and convenient to construct. Prior selection of short piles for foundation enforcement is suggested for cases under similar geological conditions.