If however you tested it with the fob somewhat isolated it would then be out of tune.
eg in the factory it would be tuned at a set distance from a "dummy body".
It's the same with a walkie-talkie radio. The antenna must be tuned when held in the hand, as your body provides the missing earth or ground-plane.
You can easily demonstrate this. Mount an antenna on a ground-plane with a length of coax, a SWR meter and a transmitter. Tune the antenna so the SWR is 1:1 and then move you hand close to the antenna. Once your hand gets withing a wavelength or so, the effect of the "detuning" can be readily seen on the SWR meter.