The weapon stat of a monster is often 1/3 of its level. I think armor is the same. It depends on the particular monster, though, especially at higher levels.
Most are different species, with different, often higher, strengths. I don't know how the Castle Guards, Bandits and such compare to players of the same level, but they are special enemies...
I'm pretty sure some enemies have lower stats than players of the same level.
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