I did some test recently to see how resistors of the same batch tracked each other. Using 50ppm resistors, I found that the batches I tested tracked in a range up to 5ppm. The average match was probably about 3ppm. What this means is that unless you use special low temp coefficient, you could easily increase your temp coefficient to double or perhaps a bit more.
These were through hole type axial resistors. The situation with SMD may be a bit worse as they may end up with different mechanical stress once they are soldered into the board.
If you do not know the resistors are from the same batch, then you can end up with up to 100ppm difference and that is 30 times worse then the reference IC.
The resistor temp coefficient ratings are not like accuracy ratings where the measured value are near the middle of the tolerance range with only a few near the edges of the tolerance range. Of the two 50ppm metal film resistor batches I tested, one had a coefficient averaging -45ppm and the other one averaged -49ppm. So a resistor rated at 50ppm/C temp coefficient can easily actually have a 50ppm temp coefficient. Don't assume that they are typically much better then the rating.
10K metal film resistors with a volt or more across them do start drifting significantly due to heating from the current and this will make them even more reliant on matching temp coefficients. I would stick to over 10K. 100K divider resistors would be much better and with a very low input current opamp like the OPA350 to buffer the reference, the input current would only cause an error of less then 1uV.
If you need the 3ppm stability, I think you better buy new reference ICs.
Richard.