Heat the oven to 350°F. Line a rimmed baking sheet with parchment paper.
In a large bowl, stir the breadcrumbs and milk together. Let them stand for 5 minutes so the breadcrumbs absorb the milk.
Add the ground turkey, egg, diced onion, garlic, 1 tablespoon of the ketchup, Worcestershire sauce, salt, and black pepper. Mix gently with your hands or a fork just until combined. Avoid compacting the mixture.
Shape the mixture into a compact loaf on the prepared baking sheet. Spread the remaining 1 tablespoon of ketchup over the top.
Bake until the center reaches 165°F on an instant-read thermometer, about 50 to 60 minutes. Let the meatloaf rest for 10 minutes before slicing so it holds together.