As AI-powered compliance monitoring becomes increasingly important in public governance and industrial safety, the ability to provide verifiable evidence and traceable accountability signals is essential. However, existing video anomaly detection datasets focus on event-level binary classification, lacking the rule-driven, explainable analysis required for real-world compliance scenarios. We introduce FoodMonitor, a benchmark for explainable compliance analysis in commercial kitchen surveillance. FoodMonitor comprises 477 video clips with 3,307 violation annotations across a dual-channel design covering both person-level and environment-level violations. Each annotation specifies which rule was violated, what non-compliant behavior occurred, and who committed it with frame-level bounding boxes. We establish a unified evaluation protocol with a two-stage matching mechanism that separately assesses spatial localization and semantic understanding, along with a composite metric ($C_{\text{score}}$) that balances environment and person detection performance. Systematic evaluation of several state-of-the-art multimodal large language models reveals that the best-performing model achieves only 0.360 $C_{\text{score}}$, with spatial localization and fine-grained rule understanding emerging as the primary bottlenecks. Our analysis identifies two distinct failure modes: localization-dominated errors and semantics-dominated errors, providing diagnostic insights for future model development.