The four barriers that set the ceiling
Binding: the carrier must attach to the plasma membrane without being washed away by serum proteins. Cationic complexes bind electrostatically to the anionic glycocalyx; the number of particles per cell surface — not the total dose — drives the first step.
Uptake: most non-viral reagents enter through endocytosis, which is clathrin-, caveolin- or macropinocytosis-dependent according to particle size, charge and cell type. Particles smaller than 200 nm favour clathrin routes; larger aggregates drift toward macropinocytosis and often correlate with toxicity.
Endosomal escape: this is the true bottleneck. Under 2% of internalised plasmid typically reaches the cytosol, because cargo is either recycled back to the surface or degraded after endosome–lysosome fusion. Escape strategies are chemistry-specific: the proton sponge effect for PEI, cone-shaped helper lipids such as DOPE for lipoplexes, and ionisable lipid fusion for LNPs.
Nuclear access: plasmid DNA must cross the nuclear envelope, so it is efficient mainly in dividing cells where the envelope transiently disassembles. mRNA, siRNA and RNP act in the cytoplasm and are therefore far less dependent on cell-cycle status — a key reason RNP formats win in non-dividing cells.

