McGough threw one touchdown in the first quarter and ran for another in the second. An Austin Taylor field goal gave the Golden Panthers a 17-6 lead with 4:13 left in the first half.
Another Taylor field goal and a 38-yard touchdown pass from McGough to Clinton Taylor had FIU up 27-12 in the third quarter. In the fourth, Gardner ran it in from a yard out and McGough hit Smith for a 13-yard score to make it 41-12.
David Washington finished with 125 yards passing for the Monarchs (3-4, 1-2).