Unfortunately no one has responded this question. This has been a frustrating experience, however, it looks like I finally solved it so I'm posting a description here to save someone else the grief if they ever have to deal with this.
In order for a background to work on an installation image, basically two things must happen; the background file must exist within the installation image, and the .DS_Store at the root of the image must be configured to use that background.
The .DS_Store file can be configured by mounting the install image in a writable state and then selecting Show View Options from the Finder's View menu. From there someone will select the Picture option for the Background and drag the background file to the placeholder in the Show View Options panel.
When working with CPack, the trick is to be able to drag the image. When someone sets the background for the installation, builds, and mounts the image it will not look like there is any background to drag to the Show View Options panel. If someone goes into the Terminal and does
ls -a
on the root of the mounted install, that command will list, among other things, a file called background.png. This file does not display in the Finder.
The reason this file displays in the Terminal and not the Finder is because it has an extended attributes that makes it hidden for the Finder. Since the file is hidden from the Finder it is not possible to drag the file to the Show View Options panel. Doing
ls -l@
will reveal what extended attributes are applied to the file. There should be only one called com.apple.FinderInfo. Removing this attribute should make the file visible in the Finder. The attribute can be removed using this command from the Terminal
xattr -d com.apple.FinderInfo background.png
After removing the attribute the background file still will not show up in the Finder right away. Someone will have to eject and remount the install image. Once this has happened, the background file should appear in the Finder and someone can drag it to the Show View Options panel, which will cause the background image to display in the Finder window for the install image. After that, someone can copy the .DS_Store file from the root of the install image and apply it to the CPACK_DMG_DS_STORE attribute, and the background image should appear whenever an install image is built.