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I recommend you start by finding out what type of income tax form the doctors themselves recieve. If it's a 1099 (and we assume that 1099 reporting is proper) then each doctor is a proprietor and having their "own" SEP would be fine. If it's a K-1 from the "partnership" then having their separate "own" SEPs is really bad (especially if they're varying their rates of contribution) since the SEP should have been adopted at the partnership (employer) level. If you find this to be the case get them to the proverbial "good ERISA attorney" ASAP because the issue of treatment of staff becomes minor in comparison.