OS X Server File system encryption

Does OSX server lack the ability to store files encrypted on the file system except by creating an encrypted disk image.

An example is that you can flag items encrypted on NTFS and on netware the data is encrypted on the file system . Would ZFS been the only way to provide this type of security. I am concerned about setting up OS-X and maintaining regulations for having data encrypted in disk images because it does not seem to have any admin recoverability integrated into the directory system. Can anyone address these questions please.